BSB 805 050

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BSB 805 050

Investment Home Loan

Make your money work harder for you with the right loan to suit your property investment goals

When it comes to property investment, everybody’s goals are different. If your investment strategy is focussed on paying off the loan as soon as possible or simply repaying the interest, we have a range of investment home loans with repayment options to help you meet your goals.

Choose from a range of loan options:

  • Home Loan Package
  • Standard Variable
  • Basic Variable
  • Fixed
  • Line of Credit

We offer loan terms of up to 30 years, flexible repayment frequencies (pay weekly, fortnightly or monthly1), the choice of either Principal and Interest or Interest Only repayments depending on your investment strategy and a split-loan interest rate option where you can get the benefits of a part fixed and part variable interest rate loan.2

 

Fixed rate loan features:

  • Lock in a competitive interest rate for between one to five years with a fixed rate loan
  • Rate-lock facility - guarantee your chosen fixed rate for up to 90 days from when you apply to when your loan funds3
  • Make extra repayments up to $10,000 per year without fee4

Variable rate loan features:

  • Freedom to make unlimited extra repayments without fee – reduce your loan term and save money
  • Redraw facility - access to extra cash if you’re ahead on your repayments5
  • Offset account option - link your loan and transaction account to help reduce the interest and time taken to pay off your loan (available on Standard Variable and Home Loan Package Variable loans)6

You can apply for a Investment Rate Home Loan online, over the phone by calling 13 11 82 or by visiting your nearest branch.

Questions...

  • Variable or fixed rate. Which is right for me?

    If you choose a variable rate home or investment loan the interest rate can rise or fall depending upon the market and economic conditions and potentially impact your repayment amount. On a variable rate, you have the flexibility to make unlimited extra repayments without a fee applying, to pay down your loan sooner.

    Choosing a fixed rate home or investment loan means you can lock your interest in at a set rate for one to five years. So if you think interest rates have hit rock bottom or that rates may rise, you can add certainty to your loan by fixing your repayments for a set period.

    If you're still not sure about which option is right for you, we're happy to help you make the right decision. Call us on 13 11 82 or visit your nearest branch for more details.

  • What product can I select for my Investment Home Loan?

    You can choose from a range of product options such as Home Loan Package, Basic Variable, Standard Variable, Fixed or Line of Credit. You also have the option of selecting Principal and Interest or Interest Only repayment options.

    Interest Only loans provide you with the option of making a repayment equal to the interest charge monthly. By selecting this product option and only paying the interest, you will not reduce the principal balance of your loan during your Interest Only period. 

  • What product can I select for my Investment Home Loan?

    You can choose from a range of product options such as Home Loan Package, Basic Variable, Standard Variable, Fixed or Line of Credit. You also have the option of selecting Principal and Interest or Interest Only repayment options.

    Interest Only loans provide you with the option of making a repayment equal to the interest charge monthly. By selecting this product option and only paying the interest, you will not reduce the principal balance of your loan during your Interest Only period. 

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Please call us on 13 11 82 to to arrange a Home Loan Adviser to contact you. Alternatively you can apply for your home loan online.

Not what you're looking for?

Interest only repayments can only be made monthly.
Subject to approval.
Rate Lock fee is 0.15% of the total loan amount and is valid for 90 days from the date of application.
Break Cost fee may apply for repayments above the $10,000 limit.
Minimum redraw amount is $1,000 and is free to facilitate online or $40 for an in-branch Staff Assisted redraw. Redraws are only available if sufficient extra loan repayments have been made.
An Offset account is optional and only available for Standard Variable and Variable Package loans. $8 per month fee applies.

Terms, conditions, fees, charges and lending criteria apply and are available upon application. People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 acts under its own Australian Credit Licence 244310.

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