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Basic Investment Loan

For Investors looking for a great value, no-frills property loan, look no further than the Basic Investment Loan, with our lowest variable rate for investment properties.
Loan to Value Ratio (LVR) Variable rate Comparison rate
Less than or equal to 70% LVR 6.29% p.a. 6.30% p.a.
Greater than 70% LVR 6.39% p.a. 6.40% p.a.

For principal and interest loans of $100,000 or more, up to 90% of the property value.


bcu star icon For a limited time only, take out a new bcu home loan for a new purchase or refinance from another financial institution and we’ll give you 0.75% of the value of the loan back in cash up to $5,000.


No ongoing fees

No ongoing fees

A great option for cash-conscious property investors

Lowest rate

Lowest rate

Our lowest variable rate for investment loans

Flexible payment options

Flexible payment options

Principal and interest and interest only options

Interest charged

Interest charged

Only on the outstanding loan balance

Find out what your property is worth with a free online property report

Loan details

Maximum term 30 years
Minimum loan $100,000
Redraw available
Maximum Loan to Value Ratio (subject to credit policy) 90%
Offset facility
Principal and Interest
Interest only option available - see interest rate below
Available for construction
 Interest rateComparison rate
Principal and Interest
Less than or equal to 70% LVR
6.29% p.a. 6.30% p.a.
Principal and Interest
Greater than 70% and up to 90% LVR
6.39% p.a. 6.40% p.a.
Interest only
Less than or equal to 90% LVR
6.69% p.a. 6.48% p.a.
Establishment fee $0
Annual fee $0

Loan Repayments

Important information

Credit products issued by Police & Nurses Limited (BCU Bank) 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.

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