Investment Value Home Loan
Our Investment Value Home Loan has a number of features and great flexibility. It’s designed specifically for investment lending so you can build your investment property portfolio.
Borrow
up to 90%4
$0 annual
fees
Split
loan option
Overview
The Investment Value Home Loan has a range of features and options:
- Variable rate
- Minimum loan amount of just $150,000
- Loan term up to 30 years
- Flexible repayment frequencies - pay weekly, fortnightly or monthly
- Split Option (with other Australian Military Bank home loans)
- Offset available
- Borrow up to 90% of the property value4
- Principal and interest or interest only2 repayments
Rates & Fees
Here’s everything you need to know about the rates and fees for the Investment Value Home Loan:
- Variable rate
Principal and Interest
- Interest rate: 7.23% p.a.2
- Comparison rate*: 7.27% p.a.3
Interest Only
- Interest rate: 7.23% p.a.2
- Comparison rate*: 7.27% p.a.3
*Comparison rate based on a loan of $150,000 repaid over 25 years. WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Application fee: $450
- Monthly fee: $0
- Annual fee: $0
- Mortgage discharge fee: $120
- Lenders Mortgage Insurance (LMI)4: Payable for loans with a deposit of less than 20% of the purchase price
- 3rd party charges: Stamp duty, legal fees and valuation fees apply
Additional fees may be payable. For more information please see our Fees and Charges Schedule.
Download our Fees and Charges Schedule
Questions
Here are the top 5 questions we get asked about our Investment Value Home Loan. Have a different question? Call us on 1300 13 23 28 to speak to a home loan consultant.
What is a Investment Value Home Loan?
A variable rate home loan has an interest charge at the applicable variable rate for that loan type. A borrower may selects a variable rate to take advantage of anticipated rate reductions. A variable rate may change due to a number of factors which include, the Reserve Bank changing cash rates and other commercial or competitive influences. A borrower may opt to switch from a variable loan to a fixed rate at any time.
What is a Fixed Rate Home Loan?
A fixed rate home loan has an interest rate that does not change for a fixed period. Once this period ends, the borrower may opt to fix the loan again at the prevailing fixed rate, or revert to the applicable variable rate. A borrower must ensure the fixed term period has ended to make changes. A borrower can select a fixed rate period of either 1,2,3 or 5 years. A fixed rate will not change even when the Reserve Bank or other influences increase or decrease interest rates. Borrowers normally opt to fix their home loan, because they have found a loan that has a desirable rate and suits their needs.
I don’t need to borrow much money. What’s the minimum amount
I can borrow?
The Investment Value Home Loan lets you borrow as little as $150,000.
Can I split this loan?
Yes. This home loan can be split with other Australian Military Bank home loans.
Can I redraw additional repayments from my loan?
Yes, a redraw facility is available on the Investment Home Loan.
Can I only buy an investment property with this loan?
Yes. The Investment Home Loan can only be used to purchase an investment property. The loan cannot be used for non-residential investments.
starting from
starting from
Use the arrows to scroll through the many Australian Military Bank Investment Home Loans options RESET
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Vanilla loan with a super-low rate6.68% p.a.6.72% p.a.Up to 90%$0$0Principal and Interest only$150,000Up to 30 yearsInvestor
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Great features matched with great flexibility7.23% p.a.7.27% p.a.Up to 90%$0$0Principal and interest or interest only4$150,000Up to 30 yearsInvestor
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Great features matched with great flexibility7.23% p.a.7.27% p.a.Up to 80%$0$0Interest only$150,000Up to 30 yearsInvestor
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Letting you plan financially with the certainty of fixed repayments at a competitive rate6.70% p.a.7.16% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
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Letting you plan financially with the certainty of fixed repayments at a competitive rate6.55% p.a.7.07% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
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Designed specifically for the purpose of investing in Defence Housing7.23% p.a.7.27% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
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Designed specifically for the purpose of investing in Defence Housing7.23% p.a.7.27% p.a.Up to 80%$0$0Interest only$150,000Up to 30 yearsInvestor
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Helping you build a dream home, a granny flat or renovate an existing home.7.03% p.a.7.07% p.a.Up to 90%$0$0Principal and interest or interest only4$50,0002 yearsConstruction Investor
The small print
Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 11 April 2024 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the Investment Construction Home Loan, the interest rate displayed is applicable for new borrowings of $50,000)
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges. Different amounts and terms will result in different comparison rates.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium (except for Investment Construction Home Loan, where LVR is exclusive of LMI). LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The small print
Home Loan applications are subject to Australian Military Bank’s normal lending criteria. Full terms and conditions will be included with our loan offer. Fees and charges are applicable. Rates are effective from 11 April 2024 and are subject to change. Rates displayed on this page are not reference rates and are available for new loan applications only unless noted otherwise
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the Investment Construction Home Loan, the interest rate displayed is applicable for new borrowings of $50,000)
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges. Different amounts and terms will result in different comparison rates.
4 This amount is inclusive of Lenders Mortgage Insurance (LMI) premium (except for Investment Construction Home Loan, where LVR is exclusive of LMI). LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518