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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.


 

4.18% pa
Interest Rate (loans of $500k or more)


4.31% pa1
Comparison Rate

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A flexible home loan with all the extras.


  • discounted rates for loans of $50k or more
  • 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

  Standard Variable Rate Product Features:
Standard Variable Rate Home Loan (Investment)
Featured Interest Rates
Variable interest rate4.93% pa
Comparison rate5.06% pa1
Investment Interest Rates
Standard Variable Rate - Up to $50000 - Investment4.93% pa
Standard Comparison Rate - Up to $50000 - Investment 5.06% pa1
Standard Variable Rate - $50000 to $ 249999 - Investment4.43% pa
Standard Comparison Rate - $50000 to $ 249999 - Investment4.56% pa1
Standard Variable Rate - $250000 to $499999 - Investment4.28% pa
Standard Comparison Rate - $250000 to $499999 - Investment4.41% pa1
Standard Variable Rate - Over $500000 - Investment4.18% pa
Standard Comparison Rate - Over $500000 - Investment4.31% pa1
Fees
Establishment fee$500 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$8 
Redraw fee$30 2
Fixed rate loan break feeNo 
Features
Redraw facilityYes 2
Offset account100% offset 3
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 
ATM/EFTPOS accessYes 
Branch accessYes 

 

3.99% pa4
Interest Rate (3-year fixed option)


4.44% pa1
Comparison Rate

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


  • 1, 2, 3, 4, 5 year fixed options
  • redraw facility
  • 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

  Fixed Rate Product Features:
Fixed Rate Home Loan (Investment)
Investment Loan (Principal and Interest)
1 Year - Fixed Interest Rate - Investment4.19% pa4
1 Year - Comparison Rate - Investment4.53% pa1
2 Year - Fixed Interest Rate - Investment3.89% pa4
2 Year - Comparison Rate - Investment4.46% pa1
3 Year - Fixed Interest Rate - Investment3.99% pa4
3 Year - Comparison Rate - Investment4.44% pa1
4 Year - Fixed Interest Rate - Investment4.39% pa4
4 Year - Comparison Rate - Investment4.54% pa1
5 Year - Fixed Interest Rate - Investment4.39% pa4
5 Year - Comparison Rate - Investment4.54% pa1
Features
Redraw facilityYes 2
Offset accountNo 
Loan repayment insuranceNo 
Additional repayments acceptedYes 
Additional repayments fee$0 5
ATM/EFTPOS accessYes 
Branch accessYes 
Fees
Establishment fee$500 
Valuation fees included within establishment fee?No 
Annual fee$0 
Monthly fee$8 
Redraw fee$30 2
Fixed rate loan break feeYes 6

 

5.90% pa
Interest Rate 

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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 rate5.90% 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 Comparison rate calculated on a secured loan amount of $150,000 over a term of 25 years based on monthly repayments. Calculated using the $50,000 - $249,999 standard variable tier. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. 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.

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 standard variable rate tier that applies to the loan amount at funding.

5 Early Repayment Fee payable when a loan is repaid by 50% or more before the term of the contract ends.

6 Economic 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.