Fixed Rate Investment Loan (Principal and Interest) 4 years
Fixed - 4 years
- No upfront fees
- Repayments will not change during fixed period
- No redraw and no offset
- Not available for first home buyer
- Annual fee charged
- Discharge fee at end of loan
Interest rate structure
Fixed - 4 years
$150k - $100m
Principal & interest
Loan term range
0 - 30 years
Unlimited extra repayments
Allows split interest
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Estimated upfront fees
Minimum SMSF Amount
Other fees may apply
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Your repayments should appear on your bank statements or your internet banking. If you make weekly or fortnightly repayments, make sure you convert them to monthly calculations.
A redraw facility attached to your loan allows you to borrow back any additional repayments that you have already paid on your loan. This can be a beneficial feature because, by paying down the principal with additional repayments, you will be charged less interest. However you will still be able to access the extra money when needed.
We work closely with lenders to get updates as quick as possible, with updates made the same day wherever possible.
A guarantor is someone who provides a legally binding promise that they will pay off a mortgage if the principal borrower fails to do so.
Often, guarantors are parents in a solid financial position, while the principal borrower is a child in a weaker financial position who is struggling to enter the property market.
Lenders usually regard borrowers as less risky when they have a guarantor – and therefore may charge lower interest rates or even approve mortgages they would have otherwise rejected.
However, if the borrower falls behind on their repayments, the lender might chase the guarantor for payment. In some circumstances, the lender might even seize and sell the guarantor’s property to recoup their money.