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Investment Home Loans

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With variable and fixed rates, the ability to split between the two, an equity loan option and standard features like offset and redraw across the majority of loan options, there’s a SERVICE ONE Alliance Bank Home Loan to help you purchase your investment property.


 

2.84% pa
Interest Rate (loans with LVR of 60% or less)


3.09% pa1
Comparison Rate

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A flexible home loan with all the extras.


  • discounted rates for lower Loan to Value Ratios
  • 100% offset and redraw facilities
  • borrow up to 80% of your property value*
  • ability to make extra repayments with no penalty
  • option to split with a Fixed Rate Home Loan
  • for more rate options, expand the Product Features

  Complete Variable Rate Product Features:
Complete Variable Rate Home Loan (Investment)
Featured Interest Rates
Variable interest rate4.28% pa
Comparison rate4.41% pa1
Investment Interest Rates
Standard Variable Rate - Up to $50000 - Investment4.28% pa
Standard Comparison Rate - Up to $50000 - Investment 4.41% pa1
Standard Variable Rate - $50000 to $ 249999 - Investment3.78% pa
Standard Comparison Rate - $50000 to $ 249999 - Investment3.91% pa1
Standard Variable Rate - $250000 to $499999 - Investment3.63% pa
Standard Comparison Rate - $250000 to $499999 - Investment3.76% pa1
Standard Variable Rate - Over $500000 - Investment3.53% pa
Standard Comparison Rate - Over $500000 - Investment3.66% pa1
Complete Variable Investment Rate - LVR of 60% or less2.84% pa
Complete Variable Investment Comparison Rate - LVR of 60% or less3.09% pa1
Complete Variable Investment Rate - LVR 60.01-80%2.94% pa
Complete Variable Investment Comparison Rate - LVR 60.01-80%3.19% pa1
Complete Variable Investment Rate - LVR 80.01-90%3.44% pa
Complete Variable Investment Comparison Rate - LVR 80.01-90%3.68% pa1
Fees
Establishment fee$550 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$15 
Redraw fee$30 2
Fixed rate loan break feeNo 
Features
Redraw facilityYes 2
Offset accountYes 3
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
ATM/EFTPOS accessYes 
Branch accessYes 

 

2.74% pa4
Interest Rate (3-year fixed option)


3.14% pa1
Comparison Rate

Apply NowMake an Appointment

Feature-rich fixed rate options giving you certainty of your repayment amount.


  • 1, 2, 3, 4, 5 year fixed options
  • 100% offset and redraw facilities
  • borrow up to 80% of your property value*
  • option to split with a Variable Rate Home Loan
  • for more rate options, expand the Product Features

  Complete Fixed Rate Product Features:
Complete Fixed Rate Home Loan (Investment)
Investment Loan (Principal and Interest)
1 Year - Fixed Interest Rate - Investment2.64% pa4
1 Year - Comparison Rate - Investment3.16% pa1
2 Year - Fixed Interest Rate - Investment2.69% pa4
2 Year - Comparison Rate - Investment3.15% pa1
3 Year - Fixed Interest Rate - Investment2.74% pa4
3 Year - Comparison Rate - Investment3.14% pa1
4 Year - Fixed Interest Rate - Investment2.94% pa4
4 Year - Comparison Rate - Investment3.19% pa1
5 Year - Fixed Interest Rate - Investment3.09% pa4
5 Year - Comparison Rate - Investment3.25% pa1
Features
Redraw facilityYes 2
Offset accountYes 3
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 5
ATM/EFTPOS accessYes 
Branch accessYes 
Fees
Establishment fee$550 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$15 
Redraw fee$30 2
Fixed rate loan break feeYes 6

 

5.50% pa
Interest Rate 

Apply NowMake an Appointment

HomePlus can be used as a multi-purpose account, with flexibility and multiple access options.


  • variable rate
  • a range of flexible access options
  • draw up to your approved loan amount at any time
  • borrow up to 80% of your property value*

  HomePlus Equity Features:
HomePlus Line-of-Credit (Investment)
Featured Interest Rates
Variable interest rate5.50% pa
Fees
Establishment fee$500 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$12 
Features
Periodic paymentsYes 
Redraw facilityNA 
Offset accountNA 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
ATM/EFTPOS accessYes 
Branch accessYes 

 


 


After quite specific needs?

 

Unable to borrow on your own?

Our family assist/guarantor option allows a member of your immediate family to guarantee your loan to help you get into the housing market sooner.

Find out more
 

After an interest only option?

An interest only option may be beneficial if you’re investing in property or renovating and lowers your repayment amount.

Find out more
 

Attending auctions?

Bid with confidence as we can provide you with a conditional pre-approval valid for up to three months.

Find out more

Home Loan Calculators

 

How much can I borrow?

Use your income and expenses to estimate how much you may be able to borrow for your home loan.

Calculate
 

Home loan repayments calculator

Work out how much your home loan repayments might be.

Calculate
 

Home loan comparison calculator

Compare two home loan options to see what might be best for you and your needs.

Calculate

  Related information:

 

Things you should know:

*May vary depending on property zoning, valuation and loan purpose. Lender’s Mortgage Insurance costs are capitalised on top of loan amount.

Terms and conditions apply and fees and charges are payable. Lending criteria apply. Full details available on application. Some loan services require a separate application and are subject to assessment.

1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The 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 higher comparison rate. All comparison rates are calculated with a nil offset balance. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed Interest Only loans are based on an initial Interest Only period equal in term to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance and so you may pay more interest over the life of the loan. For fixed rates, the comparison rate assumes a variable rate with LVR between 60.01-80% will apply at the end of the fixed period.

2 Free through Internet banking.

3 Refer to the Loan Offset Facility Request/Variation form for terms and conditions - available upon request or application.

4 Reverts to LVR variable tier that applies at time of funding.

5 Early Repayment Fee payable when a loan is repaid by 20% or more during the fixed rate period.

6 Break Cost will be charged for an early termination of a fixed rate loan or the early repayment of that loan. For further details refer to the Schedule of Fees and Charges.