RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)

  Expect More Home Loan Investment - Fixed

Our comprehensive investment home loan package, designed for those who expect more from a home loan.
Category: Home Loans  Last Updated March 11, 2025  Effective April 14, 2025

 General Lending Rates

Rates listed below are for a FIXED INVESTMENT P&I product. Additional Information
Interest Rate
7.09% PA
Comparison Rate
6.14%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 usually vary based on the LVR and other conditions..
  INVESTMENT, FIXED, 7.09%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.09%, Comparison Rate 6.26%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.00%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.00%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 7.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 6.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 7.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.19%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.00%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  INVESTMENT, FIXED, 10.00%
  • Lending Rate Type: Fixed
  • Interest Rate: 10.00%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Digital Banking
  • Other Additional Information: Available for Construction purposes

 Product Eligibility

  • Min Age - 18.
  • Natural Person
  • Residency Status - Australian Permanent Resident Or Citizen. Residential Address Must Be In Australia..
  • Other Additional Information: Lending Criteria applies
  • Other Additional Information: Available to Companies in their own capacity or as Trustees for a Trust

 Bank Fees and Charges

  • Package Fee (Periodic), Amount: 125.00. Additional Information: Charged on variable rates only
  • Discharge Of Mortgage Fee (Event), Amount: 400.00. Additional Information: Excludes legal costs
  • Settlement Fee (Upfront), Amount: 200.00. Additional Information: Payable at the time of new loan settlement only, variations and top ups to existing loans will not incur the settlement fee.
  • Variation Fee (Event), Amount: 300.00.
  • Legal Fee (Upfront), Amount: 250.00. Additional Information: $100.00 per additional security

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00 Additional Information: Minimum aggregated total loan amount $100,000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
First Home Buyer Guide, April 2025
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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)
748B, Pennant Hills Rd, Carlingford , NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

This is where your credit rep and ACL number will go. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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