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Investment Loans
Build your wealth with confidence, flexible and tailored investment solutions to help you reach your financial goals
Features
Open up a world of opportunities
Competitive interest rates
Expert guidance and friendly customer service
Repayment flexibility and redraw options
Fast approval process and pre-approval available
Pay off your loan sooner with no penalties
No hidden fees
Why bank with us
Why Choose Summerland Bank?
Fast loan approval
A lender you can trust
Tailored repayment options
Personalised support
No hidden fees
Online and digital banking
Calculators & tools
Check with our calculators
Frequently asked questions
Can I apply for an Investment Home Loan online?
Yes, you can! Our online application process is quick and easy. Have your ID and some details about your investment property ready, and we’ll help you get started. Prefer a chat? Our lending team is happy to assist – 1300 728 728
Can I make extra repayments on an Investment Home Loan?
Absolutely! You can make additional repayments to reduce your loan faster. If your loan has a fixed rate, there may be limits on extra repayments, so check with us to avoid any fees. For variable rate loans, you have more flexibility to pay down your loan as fast as you like.
Can I combine fixed and variable rates for my Investment Home Loan?
For sure! A split loan lets you enjoy the stability of a fixed rate for part of your loan and the flexibility of a variable rate for the rest. It’s a great way to balance predictability with repayment freedom.
What are the benefits of an Investment Home Loan?
An Investment Home Loan comes with several perks:
Flexible repayment options: Choose between fixed, variable, or a split loan to suit your investment goals.
Potential tax benefits: Interest payments on investment loans may be tax-deductible (talk to your accountant for advice).
Grow your portfolio: Use equity in your existing property to invest in another.
Competitive rates: Maximise your returns with our great rates.
Can I use an offset account with an Investment Home Loan?
Yes! Our Premium Variable Investment Loan offers an offset facility that can help you save on interest while giving you access to your funds when needed. It’s a great way to manage cash flow for your investment property.
Is an Investment Home Loan right for me?
An Investment Home Loan could be perfect if you’re looking to purchase a property to rent out or grow your wealth through real estate. Whether you’re a first-time investor or building a property portfolio, our team can help you find the right loan to match your goals.
Application process
We make things simple for you
Apply online, or start a conversation with our lending specialists
Application and approval
Loan acceptance and funding
Compare investment loan options
Use our handy investment loan comparison table to compare loan rates, options and features side by side.
Compare now
Start your application today
Schedule a call with a lender
Schedule a call with a lender.
Choose a time that works for you and our local team will give you a call.
The legal stuff
1. Eligibility for the advertised rate: Minimum new loan amount $150,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
2. Eligibility for the advertised rate: Minimum new loan amount $500,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
3. Comparison rate is based on a loan of $150,000 over 25 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
4. Loan reverts to applicable variable rate on maturity of the fixed period.
Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.
Target market determination available on request at our branches.