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Investment Fixed Rate Loan

Our fixed rate investment loan provides you with the confidence of knowing what your repayments will be for the fixed rate period.
6.39% p.a.

2 year fixed rate

6.46% p.a.

Comparison rate

For principal and interest loans


Key benefits

Low fixed interest rate

Low fixed interest rate

Great value with our competitive fixed interest rates

No annual fee

No annual fee

Save with no ongoing annual fees

Pay extra

Pay extra

$25,000 during fixed period

Fix for up to five yearsa

Fix for up to five years

Know what your repayments will be for the fixed term

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

All Investment Principal & Interest Fixed Rates

ProductsInterest RateComparison Rate
Fixed Rate: 1 year6.59%6.48%
Fixed Rate: 2 year6.39%6.46%
Fixed Rate: 3 years6.39%6.45%
Fixed Rate: 4 years6.59%6.52%
Fixed Rate: 5 years6.59%6.53%

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

Award-winning home loans

While it's not all about the accolades, our home loans have been recognised with multiple awards for having flexible features, competitive rates, and quick approvals.

Have a look at our trophy case

Mozo Experts Choice Award 2023/2024 - Investor Fixed Rate Home Loan winner
Finder Awards 2024 - Investor Home Loan - IO 1 Year Fixed
Finder Awards 2024 - Investor Home Loan Highly Commended Refinance 2 Year Fixed

Loan details

Additional payments allowed during fixed period $25,000
Maximum term 30 years
Minimum loan $20,000
Redraw available
Maximum Loan to Value Ratio (subject to credit policy) 90%
100% offset account
Principal and Interest
Interest only option available
Interest rate 6.39% p.a.
Comparison rate 6.46% p.a.

Loan Repayments

Frequently asked questions

With a fixed investment loan, your home loan interest rate is locked to the agreed percentage rate for what is known as the ‘fixed period’. During the fixed period, you can be certain about how much your principal and interest repayments will be on the loan. After the fixed period ends, your interest rate will switch to a variable rate which is subject to fluctuate with the market.

Fixed rate home loans for investment properties are an attractive option because they give investors certainty over their principal and interest repayments. This makes budgeting much easier. With a fixed investment home loan, an investor can plan ahead and avoid being put under financial pressure if interest rates rise.

As well as providing certainty over your principal and interest repayments, a fixed rate loan also protects you from paying more if the official cash rate rises. The flipside of this is that if the cash rate drops, you won’t benefit from paying a lower interest rate. You may also not be able to make extra repayments on a fixed rate home loan, and they often offer fewer loan features, such as the ability to have an offset account or redraw. 

A fixed rate home loan allows you to lock in a specific interest rate for a certain period. In contrast, a variable rate home loan means your interest rate could fluctuate with the official cash rate set by the Reserve Bank of Australia (RBA), or as decided by your lender.

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.

Home loan rate after fixed period reverts to the Variable Home Loan rate (currently from 6.44% p.a.).

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