Let our lending specialists help
Buying a property investment can be complicated – from the borrowing amount to the structure and term of the loan. Our experienced lending specialists make it simple by providing support to help you make the best decision for your goals.
Try one of our calculators
If you’re curious about an investment loan and want to see how it works in action, try one of our handy calculators below.
We're proud to provide you with real value
Great rates for our members
3.29
Member rate
| Rate type | Principal and interest |
| Variable rate | 3.29% p.a. |
| Comparison rate | 3.29% p.a. |
| Application fee waived | |
| Loan package fee | |
| Upfront costs covered (saving $1,004*) | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit^ | 20% |
General rate
| Rate type | Principal and interest |
| Variable rate | 4.30% p.a. |
| Comparison rate | 4.72% p.a. |
| Application fee waived | |
| Loan package fee | |
| Upfront costs covered (saving $1,004*) | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit^ | 20% |
3.49
Member rate
| Rate type | Interest only |
| Variable rate | 3.49% p.a. |
| Comparison rate | 3.49% p.a. |
| Application fee waived | |
| Loan package fee | |
| Upfront costs covered (saving $1,004*) | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit^ | 20% |
General rate
| Rate type | Interest only |
| Variable rate | 4.30% p.a. |
| Comparison rate | 4.72% p.a. |
| Application fee waived | |
| Loan package fee | |
| Upfront costs covered (saving $1,004*) | |
| Fee free offset account | |
| Fee free redraw facility | |
| Fee free additional repayments | |
| New and established dwellings and off the plan purchases | |
| House and land packages and construction loans | |
| Minimum loan amount | $200,000 |
| Maximum loan amount | $1,500,000 |
| Minimum deposit^ | 20% |
Our member rates are available to members of MyLife MySuper or Catholic Super superannuation funds.
^For deposits >5% but less than 20%, an interest rate of 0.20% above the applicable rate will apply. Lenders Mortgage Insurance will apply.
Ready to take the next step?
Applications are straightforward, and our team of lending specialists are here to help you through the process.
Need more information or help? Our team of lending specialists are here for you from application to settlement. Call us on 03 9629 4484
General information
Application fees
- Investment loan - application fee: Waived
- Investment loan - top up application fee: Waived
Other investment lending fees
- Loan package fee**: Waived
- Valuation fee: Waived
- Discharge of mortgage fee: At cost
For a full list of our fees and charges, please read our Supplementary Product Disclosure Statement (Schedule of Fees and Charges).
*We’ll cover your upfront costs, including mortgage documentation fees, valuation fees, registration and discharge of mortgage, and the verification of identity fee via Australia Post. Other refinancing fees and charges may apply, such as exit fees from your current provider.
^We can approve home and investment loans with as little as 5% deposit, however where the deposit is less than 20% of the value of the home, lenders mortgage insurance is required with the premium being covered by you. For these loans, an interest rate of 0.20% above the applicable rate will apply.
**Loan package fee includes access to the offset account and redraw facilities.
Application fees
- Investment loan - application fees: $695.00
- Investment loan - top up application fees: $250.00
Other investment lending fees
- Loan package fee**: $395.00 p.a.
- Valuation fee: At cost
- Discharge of mortgage fee: At cost
For a full list of our fees and charges, please read our Supplementary Product Disclosure Statement (Schedule of Fees and Charges).
^We can approve home and investment loans with as little as 5% deposit, however where the deposit is less than 20% of the value of the home, lenders mortgage insurance is required with the premium being covered by you. For these loans, an interest rate of 0.20% above the applicable rate will apply.
**Loan package fee includes access to the offset account and redraw facilities.
Applications generally take 30-60 minutes.
Once an application with all supporting documents has been received by MyLife MyFinance, a pre-approval decision will generally be provided within two business days.
There is no qualifying period for loans to receive member benefits.
No penalty for additional loan repayments or early pay-out on variable rate loans.
Comparison rate calculated on $150,000 loan over 25 years. Care should be taken in using this comparison rate. The comparison rate is accurate only for the example given as other factors including government fees and charges, redraw fees or fees for early repayment, may influence the final cost of the loan.