Open up a world of opportunities
Whether you’re a seasoned investor or thinking about investing for the first time, we offer flexible and tailored investment solutions to help you reach your financial goals. Our experienced and friendly local team is here to help, with personalised support and good old-fashioned customer service.
Competitive low 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 Choose Summerland Bank?
We believe in a local and personalised kind of banking, one with your best interests at heart. With our competitive investment loans, experience the impact of clarity and peace of mind on your financial future.
Fast loan approval
With pre-approval and fast track options available, you can make purchasing decisions quickly and with certainty.
Tailored repayment options
Create a repayment schedule that works for you and allows you to make additional repayments, without the penalties or the stress of ongoing monthly fee s*.
See terms and conditions below*
No hidden fees
With a range of options including loans with no ongoing fees, enjoy the benefits of a loan that helps you get where you’re going, faster.
A lender you can trust
Providing a braver banking alternative since 1964, from our early days as a credit union, now to a purpose-driven and Certified B Corp bank, you can’t spell trust without us.
Personalised support
Either in store or online, our friendly and experienced local team can answer any questions you may have about our loans and how we can support you to realise your potential.
Online and digital banking
Giving you safe, secure and easy-access to your accounts on the go with our user-friendly app and innovative digital banking experience. Available for both iOS (Apple) and Android.
Check with our calculators
Access all our calculators here.
We make things simple for you
We understand how confusing it can be to navigate financing a big purchase. Let our experienced lenders take away the stress of applying for finance.
Apply online, or start a conversation with our lending specialists
Your lending specialist will carefully guide you through the application process, be prepared to share your goals and financial information so we can let you know your borrowing capacity.
Application and approval
Once you have provided us with your financial information and verification documents, we will have a decision back to you lightning quick! usually within 2 business days.
Loan acceptance and funding
We make the loan acceptance process quick and easy, ensuring you can access your loan funds in time for your big purchase!
Got questions? We’ve got answers
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.
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. Eligibility for the advertised rate: Minimum new loan amount $150,000, principal and interest repayments only. Maximum LVR 80%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
5. 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.
Ready to get started?
If you’re ready for a braver kind of banking, here are three ways to get started with Summerland Bank.
Apply online
Get started online with your ID at the ready and a quick check of your personal details.
Contact us
Good old-fashioned customer service, the Summerland way.
Visit a branch
Find your closest Summerland Bank branch and our friendly local team will be ready to help.
Is there something else we can help you with?
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