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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
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    Key benefits of this loan

    Offset account option
    Unlimited extra repayments
    No restrictions on the number of loans under the package
    Competitive variable interest rates
    Redraw facility
    Save on interest rates, products and services

    Get your first Annual Package Fee for $0

    For a limited time we’re waiving Annual Package Fees for Variable and Fixed Home or Investment Loan package applications where the minimum new borrowing amount is $100,000 or above and application is received between 10 October and 15 December 2023, with settlement before 29 February 2024.

      Rates

      Check out our Variable Investment Loan Package rates!
      Repayment type
      • Principal & interest
      • Interest only
      View investment loan rates
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) <70%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) 70.01% - 80%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) >80%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.
      Variable Investment Loan Package
      Loan to Value Ratio (LVR) <70%
      Loan size $100,000+
      Apply online
      Discount to the standard variable rate
      % p.a.
      Interest rate with discount
      The resulting interest rate after the discount has been applied.
      % p.a.
      Comparison rate
      A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
      % p.a.

      Product overview

      With one annual fee, our Variable Investment Loan Package allows you to combine several loans under the one package umbrella. This gives you the freedom to consider other home loan purchases such as owner occupied properties.

      It also allows you to redraw any extra repayments and save money on interest rates, and provides a number of other benefits to a wide range of products and services.

      To qualify, you need to have a minimum total investment lending of $100,000 in eligible package products.

      • Competitive variable interest rates

        Chat to us to see what rate you qualify for

      • Loan terms up to 30 years

        Flexibility to pay off the loan up to 30 years

      • Freedom to make unlimited extra repayments

        Pay off your loan faster

      • Flexible repayment frequency

        Pay weekly, fortnightly or monthly

      • Redraw facility

        Access to extra cash if you're ahead on your repayments

      • Offset account option

        Link your loan and transaction account to help reduce the interest and time taken to pay off your loan

      • Interest only repayment option

        Reduce your loan repayments by paying only the interest due monthly

      • Split-loan interest rate option

        Get the benefits of a part fixed and part variable interest rate loan

      • Construction loan options available

        Ask an expert and find out your options

      Plus discounts on other products and services

      See how you can save

      • $0 Application Fee

        Save $600

      • $0 Top Up Fee

        Save $400 per top-up. Ideal if you’re planning on renovating, investing, buying a car or going on a holiday

      • $0 Settlement Fee

        Save $150

      • $0 Monthly Administration Fee

        Save $96 per year for each loan

      • Free Valuation

        One each year

      • Free loan reviews

        To ensure your loan is the best fit through all stages of your life

      • $0 Personal Loan Application Fee

        Save $250

      Fees

      Ongoing fees
      Annual Fee

      $395

      Other fees
      Lenders Mortgage Insurance (LMI)

      Payable for loans with a deposit less than 20% (80% Loan to Value Ratio (LVR) or higher)

      Third party chargesThird party charges apply (e.g. stamp duty)
      Disclosure documents
      Fees and charges brochureDownload our Fees and charges brochure (PDF, 152KB)

      Do some quick maths

      Let’s help you with those sums! We have a range of calculators so you can nut out the financial aspects of your loan, such as repayments, borrowing power, total loan costs and more.
      Home loan calculators

        What else do I need to consider?

        Guides and tips

        We’re here to chat if you need us!

        Get in touch with us and we can help you get the answers you need.