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Premium Investment Loan Fixed 3 Years (Principal and Interest)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • No ongoing fees
  • 100% full offset account
  • Parents can sign as guarantor
  • Extra repayments + redraw services
Cons:
  • Limited extra repayments
  • Discharge fee at end of loan
  • Repayments won't decrease if RBA cuts rates

Fees and Features

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$10k - $100m
Total repayments
Total repayments
$437,040
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$595.00
Application fee
Application fee
$595
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Fixed - 3 years
Borrowing range
Borrowing range
$10k - $100m
Total repayments
Total repayments
$437,040
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Allowed with restrictions
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$595.00
Application fee
Application fee
$595
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
3.99%
Fixed - 3 years
Advertised rate
4.09%
Variable
Advertised rate
3.89%
Variable
Advertised rate
3.99%
Fixed - 2 years
Comparison rate*
Comparison rate*
4.61%
Comparison rate*
4.23%
Comparison rate*
4.23%
Comparison rate*
4.64%
Monthly repayment
Monthly repayment
$1,192
Monthly repayment
$1,207
Monthly repayment
$1,178
Monthly repayment
$1,192
Total repayments
Total repayments
$429,120
Total repayments
$434,520
Total repayments
$424,080
Total repayments
$429,120
Loan term
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan term
15 - 30 years
Loan term
1 - 30 years
Refinance
Refinance
Refinance
Refinance
Refinance
Loan Fees
Estimated upfront fees
Estimated upfront fees
$0
Estimated upfront fees
$150.00
Estimated upfront fees
$1499.00
Estimated upfront fees
$0
Settlement fee
Settlement fee
$0
Settlement fee
$150
Settlement fee
$0
Settlement fee
$0
Discharge fee
Discharge fee
$250
Discharge fee
$320
Discharge fee
$300
Discharge fee
$250
Application fee
Application fee
$0
Application fee
$0
Application fee
$1,499
Application fee
$0
Ongoing fee
Ongoing fee
$350 annually
Ongoing fee
$10 monthly
Ongoing fee
$345 annually
Ongoing fee
$350 annually
Repayments Redraws
Extra repayments
Extra repayments
Allowed with restrictions
Extra repayments
Unlimited extra repayments
Extra repayments
Unlimited extra repayments
Extra repayments
Allowed with restrictions
Interest Rate Options
Interest rate structure
Interest rate structure
Fixed - 3 years
Interest rate structure
Variable
Interest rate structure
Variable
Interest rate structure
Fixed - 2 years
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Bank Australia is a Victoria-based mutual bank that is owned by its customers, rather than by shareholders. Beginning in 1957 as the Members and Education Credit Union, Bank Australia was renamed as bankmecu before adopting its current name in 2015. Bank Australia is based in Melbourne and has served tens of thousands of customers over its history.

Bank Australia offers a wide range of mortgages that charge competitive home loan interest rates.

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