Variable Rate INVESTMENT Loan

A fully featured investment loan with a competitive variable interest rate and the flexibility to change with your investments.

Features

• 3 month pre-approval allows you to search for an investment property with confidence.
• Loan terms up to 30 years mean you can maximise your loan term and minimise your regular repayments.
• Flexible repayment options allow you to choose:  
  • interest only¹ or principal and interest payments;
  • when you pay – weekly, fortnightly or monthly to align with your rent or pay cycle;
  • how you pay – payroll deductions, direct credit or over the counter;
  • and even how much you pay – minimum monthly repayment or add extra.
• Redraw lets you withdraw any extra repayments you have made.²
• Borrow up to 95% of the value of the security property.³
• Split your loan to combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.

 Rates & Fees

• A competitive standard variable interest rate.
• You may request to convert to a fixed rate of interest.⁴
• Establishment fee $445.⁵
• No monthly service fee.

 
Extras

• pinnacle +plus membership – our package offering discounted interest rates and fees.⁶
• A pre-approved overdraft limit.⁷
• Insure your investment property.
• Mortgage Offset Account available.
• Variable Rate Investment Loan fact sheet.

Useful Links

• Our Investing in Property Basics provide some simple facts.
• Our Handy Home Loan Tips can help you to manage your home loan.
• Investment essentials advice from the ATO.
• Useful tips and checklists for buying and renovating your home including green tips.
• Green living tips from the Australian Conservation Foundation.
  

Important Information

Terms, conditions, fees, charges and normal lending criteria apply. Full details are available in our loan offer or on request.

¹Interest only repayments are available for up to 5 years. ²Redraws are subject to approval. A fee is payable for each redraw. ³Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the location of the property. ⁴A rate conversion fee may apply. ⁵A settlement fee of $150 and other upfront fees including valuation fees and government charges are payable. ⁶Eligibility criteria apply. ⁷Pre approved overdraft limits up to $5,000 to approved applicants.