Buying an investment property is a great way to build your wealth, but also represents a big financial commitment. That's where we come in, with a range of investment home loan options to suit your purchasing needs.

Property investment loans are not too different from regular home loans. As with other loans you can choose between:

Variable interest rate

Here the rate you pay fluctuates typically in line with changes to the official cash rate. This type of loan tends to have a range of flexible features like redraw however as investors can usually claim the loan interest as a tax deduction there may not be much incentive to pay off the loan sooner. So the features of a variable rate loan may not appeal to investors as much as they do to owner occupiers

Fixed rate

A fixed rate is often very useful for investors as it provides certainty of repayments. This can be helpful because the rent payments on a property will be fixed during the lease term, and even if market interest rates rise the landlord may not be able to raise the rent until the lease expires. By locking into a fixed interest rate investors have more certainty about the repayments on their property and a more manageable cash flow

Split rate

Like home owners, an investor can choose to split their loan between fixed and variable rate components