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Our Investment Property Loans

Investment Property Loans

Searching for investment loans? Enjoy the confidence of great rates and local service from a customer-owned bank.

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Investment Variable Rate Loan

A great variable rate home loan for investors looking to invest in the property market.

3.52% p.a.
Variable rate
3.52% p.a.
Comparison rate

Investment Fixed Rate Loan

Our fixed rate loan for investors provides the confidence of knowing what your repayments will be for the fixed rate period.

3.59% p.a.
2 year fixed rate
4.11% p.a.
Comparison rate

Investment Line of Credit Loan

For residential investors seeking flexibility with their loan.

3.65% p.a.
Variable rate

Want to find out how much your investment property is worth?

Investment loan rates, features, and fees

Find all the key details about our investment home loan interest rates, features, and fees to help you compare.

  Basic Investment Loan Investment Variable Rate Loan Investment Fixed Rate Loan Investment Line of Credit Loan
  Learn more Learn more Learn more Learn more
Maximum term 30 years 30 years 30 years N/A
Minimum loan $100,000 $50,000 $20,000 $250,000
Maximum loan $1,500,000 $2,500,000 $2,500,000 $2,500,000
Redraw available
Maximum borrowing amount up to the property value (with LMI) 90% 90% 90% N/A
Maximum borrowing amount up to the property value (without LMI) 80% 80% 80% 80%
Principal and interest
Interest only available at different interest rates
  Basic Investment Loan Investment Variable Rate Loan Investment Fixed Rate Loan
From
Investment Line of Credit Loan
Principal and Interest loans
Interest rate 2.59% p.a. 3.52% p.a. 3.59% p.a. 3.65% p.a.
Comparison rate 2.59% p.a. 3.52% p.a. 4.11% p.a. N/a
Interest Only loans
Interest rate 2.94% p.a. 3.62% p.a. 3.69% p.a. N/a
Comparison rate 2.79% p.a. 3.55% p.a. 4.12% p.a. N/a

Fixed rate loans will revert to the Standard Variable Rate applicable at the end of the fixed rate period. View all loan interest rates.

  Basic Investment Loan Investment Variable Rate Loan Investment Fixed Rate Loan Investment Line of Credit Loan
Establishment fee $0.00 $0.00 $0.00 $600.00
Annual fee $0.00 $0.00 $0.00 $0.00

Frequently asked questions

In most cases, interest rates on investment property loans are higher than standard owner-occupied home loans to compensate for increased risk to the lender. This is because managing an investment property and making principal + interest repayments on the loan is more difficult than just making repayments on the home you live in, as you need to find tenants or finance renovations so you can eventually sell the property for profit.

You will need to pay lenders mortgage insurance when you wish to borrow over a certain threshold of the property value. The difference between your deposit and how much you want to borrow is calculated as the loan-to-value-ratio (LVR).

Important information


Credit eligibility criteria, terms & conditions and fees & charges apply and are available upon request.

Credit products issued by Police & Nurses Limited (bcu) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Lending criteria, terms & conditions, fees & charges apply. Rates subject to change. Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.