Investment RateSaver Home Loan
The Investment RateSaver Home Loan is our simple vanilla loan with a super-low rate, unlimited additional repayments as well as the ability to redraw.
Category: Home Loans Last Updated May 20, 2026 Effective June 3, 2026
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Advertised rate
Interest Rate
6.34% PA
6.34% PA
Comparison Rate
6.37%PA*
6.37%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions.
LVR <=70%
- Lending Rate Type: Variable
- Interest Rate: 6.34%, Comparison Rate 6.37%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR 71% <=80%
Minimum: 71 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.54%, Comparison Rate 6.57%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
Product Features
- Redraw
- Extra Repayments
- Loyalty Program
- Other Additional Information: Split Loan
Product Eligibility
- Min Age - 18.
- Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
- Natural Person
- Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.
Bank Fees and Charges
- Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: A $50 hourly fee applies plus any expenses incurred
- Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
- Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone
- Property Valuation Fee (Variable), Amount: Not Listed.. Additional Information: At cost. Minimum is $250.00
- Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
- Consent Fee (Event), Amount: 250.00. Additional Information: For 2nd or subsequent mortgages or lease registration
- Ratesaver Switch Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs-To switch to a RateSaver Loan
- Mortgage Discharge Fee (Event), Amount: 120.00. Additional Information: + 3rd party costs
- Redraw Fee (per Redraw) (Transaction), Amount: 10.00.
- Documentation Re-issue Fee (Event), Amount: 100.00. Additional Information: + 3rd party costs
- Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page
- Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
- Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
- Switch/variation Fee - Home & Investment Loans (Event), Amount: 100.00. Additional Information: + 3rd party costs-To switch or vary home loans (other than switching to RateSaver)
- Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
- Ratesaver Processing Fee (Upfront), Amount: 450.00. Additional Information: When borrowing in excess of 80% LVR
Limitations & Restrictions (Constraints)
- Max Limit of 5000000.00
- Min Limit of 150000.00
- Max Lvr of 0.95
- Min Lvr of 0.00
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