Your investment home loan

Are you looking to invest in property or for personal purposes such as shares?  We offer a range of flexible options to help meet your specific needs.  Plus you can borrow up to 100% when securing against another property.

Choose a repayment option

• Principal & interest - a suitable option if you want to pay off your loan and own your property sooner.
• Interest only - this option gives you flexibility to reduce your loan commitments to enable you to take advantage of other wealth building opportunities as well as negatively gearing your property.  You can choose to make interest-only payments at any time during the life of your loan¹.
• Interest in advance - with a 0.20% p.a. discount off standard fixed rates, this is available on interest only Fixed Rate Investment Home loans and is a convenient way to consolidate interest repayments into one lump sum in order to gain tax benefits in any given tax period^2.

 

Choose a home loan

• Complete home loan - A suite of loans with interest rate, repayment and off-set options and other flexible features.
• 3 year special economiser home loan - A loan with a low variable interest rate, and a range of flexible options.  it is ideal for those who don't need all the features of the complete home loan.

 

Additional options

• Viridian line of credit - Viridian provides you with the revolving line of credit through a convenient single account that you can use daily.
• Wealth package - A program which recognises that the more business you have with us the more benefits you should enjoy. This can include special savings on selected Commonwealth Bank investment loans, as well as credit cards and insurance.

 

 Try our home loan tools

• How much can I borrow - Use this calculator to estimate how much you can borrow for your investment property and how much your repayments will be.
• Home loan calculator - Can help you find out what your loan repayments might be, or how many years it could take to repay your investment home loan.  Calculate your loan amount, your repayments, you loan term and your frequency of repayments to establish the right loan for you
• Total home buying costs - This calculator will estimate the cost to purchase a property based on the property price and the loan amount you plan to borrow
• Property value guide - Is a free, comprehensive, up-to-date insight into what the property market is doing from month to month.
• Home loan selector - Can help you choose the investment home loan that suits your financial needs by using the home loan selector to find the perfect investment home loan in an instant

 

Important information

• Applications for finance are subject to the Bank's normal credit approval.  Full terms and conditions will be included in the Bank's loan offer.  Fees and charges are payable.
• 1. The current maximum interest only term for investment home loans is 15 years in the life of the loan.
• 2. Interest in Advance is only available for 1-5 year terms.  The interest in advance period must equal the fixed rate and interest only periods.  Interest can only be pre-paid 12 months in advance.