Investment Loan



Get smart. Buy an investment property – with help from Beyond Bank.

Investment loans are straightforward with Beyond Bank. We offer a flexible range of investment loan options to help you get the best deal.

With low rates and flexible options, you can buy your investment property with confidence.

Most of our investment loans have no monthly account-keeping fee and offer up to 30-year terms. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.

We believe in prosperity for the many, not the few. Beyond Bank is a mutual bank, which means we don’t serve share market investors. Instead, we offer you lower fees, lower lending rates, higher investment rates, better banking products and support for community projects. Join the bank that gives back.

5.09 %* p.a.
Interest rate

5.25 % p.a.
Comparison rate

Basic Variable Home Loan.

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Benefits

A wise investment

  • Buy an investment property
  • Low interest rates. Choose your loan:
    • Basic Variable Home Loan
    • Standard Variable Home Loan
    • Fixed Home Loan
    • All-in-One Home Loan
  • Three-month pre-approval. We can approve your loan three months in advance so you can search for your home or property with confidence.
  • Borrow up to 95% of the value of the security property1
  • Loan terms up to 30 years2. Maximise your loan term and minimise your regular repayments.
  • Redraw Option- withdraw any extra repayments you have made, you could enjoy a repayment holiday. This is where you use these funds to put your repayments on hold for a nominated period.3
  • Split your loan. Combine the stability of a fixed rate of interest with the flexibility of a variable rate of interest.
  • Flexible principal and interest repayment options. You choose when, how and how much you pay.
  • Bridging finance available
  • Discounted interest rates available for Pinnacle Plus customers!4

Fees

Establishment fee: $4455

Settlement fee: $150

Monthly service fee: $06

Choose from

4.69 p.a.
Interest rate
5.72 % p.a.
Comparison rate
1 year
4.94 %\\ p.a.
Interest rate
5.67 % p.a.
Comparison rate
2 year
4.99 %** p.a.
Interest rate
5.61 % p.a.
Comparison rate
3 year
5.09 %†† p.a.
Interest rate
5.58 % p.a.
Comparison rate
4 year
5.14 %‡‡ p.a.
Interest rate
5.55 % p.a.
Comparison rate
5 year

Fixed Home Loan Rates.

Loan reverts to our standard variable rate at the end of the fixed period.

View our full home loan rates.


5.79 %a p.a.
Interest rate
5.83 % p.a.
Comparison rate
Standard Variable Rate
5.09 %* p.a.
Interest rate
5.25 % p.a.
Comparison rate
Basic Variable Rate
5.49 %b p.a.
Interest rate
5.50 % p.a.
Comparison rate
pinnacle +plus package1 Loans of $200,000 - $299,999
5.29 %c p.a.
Interest rate
5.30 % p.a.
Comparison rate
pinnacle +plus package1 Loans of $300,000 plus

Variable Rate Home Loans

View our full home loan rates.


5.94 %† p.a.
Interest rate
Standard All-In-One Variable Rate
5.64 %‡ p.a.
Interest rate
pinnacle +plus package1 Loans of $200,000 - $299,999
5.44 p.a.
Interest rate
pinnacle +plus package1 Loans of $300,000 plus

All-In-One-Account

Standard variable rate.

View our full home loan rates.

Home Loan Repayments

Optional Add-ons


Mobile Lenders

Competitive home loans delivered to your home or work. Our Mobile Lenders can offer you experience, valuable money advice and recommendations to help you achieve your personal goals.

Find Out More

Need the convenience of a credit card?

Apply for a Beyond Bank Credit Card and take advantage of our great benefits and features.

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Mobile Banking

Get the Beyond Bank Mobile App! An easy way to pay bills, transfer money and access your account details.

Find Out More

Canstar 5 Star Rating for Outstanding Value

Find out more about our Five Star Rating from Canstar for our range of Home and Investment Loans.

Canstar 5 star rating for outsanding value on home loans

* Interest rate is current as of 20/08/2013.
† Interest rate is current as of 20/08/2013.
‡ Interest rate is current as of 02/07/2013.
§ Interest rate is current as of 02/07/2013.
¶ Interest rate is current as of 23/09/2014.
\\ Interest rate is current as of 22/10/2013.
** Interest rate is current as of 18/11/2014.
†† Interest rate is current as of 18/11/2014.
‡‡ Interest rate is current as of 18/11/2014.
a Interest rate is current as of 20/08/2013.
b Interest rate is current as of 20/08/2013.
c Interest rate is current as of 20/08/2013.

1. You can borrow up to 90% with an All-in-One Home Loan. Lenders 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.
2. Loan term maximum of 25 years for the All-in-One Home Loan.
3. Redraws and repayment holidays are subject to approval. Fees and charges may be payable for the redraw facility
4. Pinnacle +plus package is available to customers with combined balances of $200,000 or more in eligible loans and deposits. Other eligibility, terms and conditions apply. For the period 11/5/2014 to 31/8/14 package benefits apply to all new eligible mortgage secured loans greater than $50,000.
5. A settlement fee of $150 and other upfront fees including valuation fees and government charges are payable.
6. Except for the Basic Variable Home Loan, which has a monthly fee of $11.

Comparison rates are based on a loan of $150.000 with monthly repayments over a term of 25 years. 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.
Interests are subject to change without notice.


Terms, conditions, lending criteria, fees and charges apply. Full details are available at the time of application or by contacting us. All loans are provided by Beyond Bank Australia, a trading name of Community CPS Australia Ltd ABN 15 087 651 143. Interest rates are subject to change without notice.
 

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