RateCity.com.au
powering smart financial decisions
ANZ

Fixed Rate Investment Loan

Advertised Rate

3.59

% p.a

Fixed - 5 years

Comparison Rate*

4.51

% p.a

Maximum LVR
90%
Real Time Rating™

1.14

/ 5
Monthly Repayment

$1,516

based on $300,000 loan amount for 25 years at 3.59%

Advertised Rate

3.59

% p.a

Fixed - 5 years

Comparison Rate*

4.51

% p.a

Maximum LVR
90%
Real Time Rating™

1.14

/ 5
Monthly Repayment

$1,516

based on $300,000 loan amount for 25 years at 3.59%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,516

based on $300,000 loan amount for 25 years at 3.59%

ANZ home loans are available through brokers who can help find the right loan and manage your application at no charge.

Bernard Desmond

5.0
156 Reviews

Get expert advice from a home loans specialist.

Bernard Desmond OPPORTUNITY BROKER They say there are two guarantees in life, but Bernard securing your mortgage is now unofficially the third. His confidence comes from 14 years of experience and an unequivocal desire to provide you with the most opportunity from your mortgage. But don’t just take our word for it; Bernard’s strike rate from application to approval is awarded as the best in the industry: Winner 2020 Best Customer Service of the year at the Australian Broking Awards, 2020 Best Customer Service of the year at the Better Business Awards, 2019 Residential Broker of the Year and 2018 Australian broker of the Year. Supportive yet honest, Bernard has your best interest at heart and a blank piece of paper in hand, ready to fill it with plans and possibilities. Bernard sees opportunity getting to understand you and your financial goals better than the rest. He’s personable and tenacious, giving you the ability to take your money further — like that ocean villa in Hawaii.

VIC3930

CRN: 493595

Quick home loan review

For Fixed Rate Investment Loan (Interest in Advance Yearly) 5 Years (LVR > 80%)

These are the benefits of this home loan.

    These are the drawbacks of this home loan.

    • Limited extra repayments
    • No redraw and no offset
    • Higher than average interest rate
    • Loan reverts to higher rate after fixed period
    • Not available for first home buyers
    • Ongoing fee
    • Higher than average upfront fee
    • Discharge fee at end of loan
    • No repayment holidays

    Home loan overview

    For Fixed Rate Investment Loan (Interest in Advance Yearly) 5 Years (LVR > 80%)

    TMD

    Details

    Maximum LVR

    90%

    Total Repayments

    Next LVR

    Interest rate type

    Fixed - 5 years

    Borrowing range

    Suitable for

    Investors

    Loan term range

    1 - 30 years

    Principal & interest

    Interest only

    Applicable states

    ACT, NSW, NT, QLD, SA, TAS, VIC, WA

    Make repayments

    Monthly

    Features

    Extra repayments

    Yes - limited to $5000 per year

    Redraw facility

    Split interest facility

    Loan portable

    Repayment holiday available

    Allow guarantors

    Available for first home buyers

    Fees

    Total estimated upfront fees

    910

    Application fee

    600

    Valuation fee

    $150

    Settlement fee

    160

    Other upfront fee

    0

    Ongoing fee

    $10 monthly

    Discharge fee

    160

    Application method

    Online

    Phone

    In branch

    Target Market Determination

    Visit ANZ to view Target Market Determination.

    Other Restrictions

    Only 1 year fixed has offset account

    Embed

    FAQs

    What is the minimum amount you can apply for?

    The range you can borrow from this loan is $20k to $99,999,999.

    What's the minimum deposit needed for this loan?

    This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 percent

    What's the maximum length for this loan?

    ANZ allows you to have this loan for a range of 1 to 30 years.

    How often can you make repayments?

    ANZ allows you to make repayments to this loan option through one of the following repayment schedules: monthly.

    How much will the upfront fees be for this loan?

    While it could change based on your circumstances, RateCity estimates that this loan option comes with $910 worth of upfront fees.

    Does this loan come with a redraw facility?

    No, this loan doesn't come with a redraw facility.

    Where can you apply for this loan?

    ANZ makes it possible to apply for this product online. Apply here.

    Can a broker help me with this loan?

    Yes, this ANZ loan is available through a broker. Find a broker to help you with your needs.