BSB 805 050

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BSB 805 050

Investment Loan Rates

Current as at 19 February 2020

New Business - Basic Variable Investment Loan

Product Name

Tier

Discount to the Basic Variable Rate

Principal & Interest
Rate with Discount

Principal & Interest 
Comparison Rate

Interest Only Rate with Discount

Interest Only Comparison Rate

Basic Variable New Business Investment Loan Ratey $150,000 - $1,500,000 1.32% p.a. 3.51% p.a. 3.51% p.a. n/a n/a
Basic Variable New Business Investment Loan <80% LVR Ratey $150,000 - $1,500,000 1.44% p.a. 3.39% p.a. 3.39% p.a. n/a n/a
$150,000 - $1,500,000 1.45% p.a. n/a n/a 3.79% p.a. 3.79% p.a.

Basic Variable Investment Loan

Product Name

Tier

Discount to the Basic Variable Rate

Principal & Interest
Rate with Discount

Principal & Interest 
Comparison Rate

Interest Only Rate with Discount

Interest Only Comparison Rate

Basic Variable  Investment Loan Rateb $50,000 - $1,500,000 n/a. 4.83% p.a. 4.83% p.a. 5.24% p.a. 5.24% p.a.
Basic Variable Investment Loan <80% LVR Rateb $50,000 - $1,500,000 0.25% p.a. 4.58% p.a. 4.58% p.a. n/a n/a
$50,000 - $1,500,000 0.30% p.a. n/a n/a 4.94% p.a. 4.94% p.a.

Standard Variable Investment Loan

Product Name Tier Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
Standard Variable Investment Rate: Home and Construction Loans $20,000 - $1,500,000 5.41% p.a. 5.46% p.a. 5.71% p.a. 5.76% p.a.

Fixed Investment Loans

Product Name Term Principal & Interest Rate Principal & Interest Comparison Rate Interest Only Rate Interest Only Comparison Rate
Fixed Investment Rate: Home and Construction Loans 1 year 3.58% p.a. 5.37% p.a. 3.89% p.a. 5.67% p.a.
Fixed Investment Rate: Home and Construction Loans 2 years 3.58% p.a. 5.21% p.a. 3.89% p.a. 5.50% p.a.
Fixed Investment Rate: Home and Construction Loans 3 years 3.68% p.a. 5.08% p.a. 3.99% p.a. 5.38% p.a.
Fixed Investment Rate: Home and Construction Loans 4 years 4.04% p.a. 5.07% p.a. 4.44% p.a. 5.40% p.a.
Fixed Investment Rate: Home and Construction Loans 5 years 4.14% p.a. 5.02% p.a. 4.54% p.a. 5.36% p.a.

Line of Credit

Product Name Tier Rate Comparison Rate
Line of Credit $20,000 - $499,998 5.85% p.a. n/a

LVR = Loan to Value Ratio

y Limited Time Only. Rates are current for new applications from 22/01/2020 with rates and discounts subject to change at any time. Members with an existing Basic Variable loan must increase their borrowings by an amount that increases their Basic Variable loan to an amount greater than $150,000. No Offset Account allowed.

b Limited Time Only. Rates are current for new applications from 22/01/2020, with rates and discounts subject to change at any time. Minimum new borrowings $50,000. No Offset Account allowed.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

The comparison rate is for a loan of $150,000 over 25 years. WARNING:This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

People's Choice Credit Union, 50 Flinders Street, Adelaide 5000, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL, Australian Credit Licence 244310.

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