In response to the RBA’s recent decision to cut the official cash rate, Australian Mutual Bank will decrease variable home loan rates by 0.25% for new and existing eligible borrowers, effective 1 March 2025.

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Investment Home Loans

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Thinking of investing in property?

Property investing can be seen as a sound investment, as it is generally a low risk option when compared to building wealth via other investment options, however, when there is the ability to gain financially, there is also a degree of risk involved. Before deciding if this is the right investment strategy for you, you will need to look at the risks and the benefits to evaluate the suitability of investing in property to your situation.

 

Talk it through

A lending consultant will be in touch to answer all your questions, and progress things to the next stage. We may be able to provide you conditional approval to help you confidently bid or make an offer knowing how much you can afford. Conditional approval is valid for 90 days, but it can be renewed if you need more time.

 

Ready to buy?

If you are ready to buy, a fast approval is crucial so when the right property comes up, you are in a position to purchase it straight away. Our lending specialists can assist you in obtaining full approval quickly and easily.

10 Steps towards investing in property

Buying an investment property is typically a purely financial decision and there are many considerations to take into account when thinking about it. You should be clear about why you want to own an investment property, what you can afford and any upfront and ongoing costs.

Here are some things you should consider before you get started:

  • The opportunities and obstacles of investing in property
  • Is investing in property right for you?
  • Costs involved with buying and owning an investment property

What loan options are available?

 

GumLeaf Investment Variable Rate (Principal & Interest)

Let us help you build that residential investment property portfolio

  • New Loans from $50,000 only
  • Offset 100% of the balance
  • Rates are based on your loan-to-value ratio
  • ≤60% LVR 6.19 % p.a. Interest rate
  • 6.26 % p.a.
    Comparison rate
Apply now Learn more

2 Year Fixed Investment Special Offer (Interest only)

Lock in a great rate for your investment dream

  • Principal & Interest or Interest Only options
  • New loans from $500,000 only
  • Additional repayments up to $20,000 without penalty
  • 2 Year Fixed Rate IO*** 5.49 % p.a. Interest rate
  • 6.86 % p.a.
    Comparison rate
Apply now Learn more

Investment Variable Rate (Principal & Interest)

Let us help you build that residential investment property portfolio

  • New Loans from $20,000 only
  • Offset 100% of the balance
  • No monthly or annual fees
  • Variable 6.94 % p.a. Interest rate
  • 7.02 % p.a.
    Comparison rate
Apply now Learn more

GumLeaf Investment Variable Rate (Interest Only)

Let us help you build that residential investment property portfolio

  • New loans from $50,000 only
  • Offset 100% of the balance
  • Rates are based on your loan-to-value ratio
  • ≤60%LVR 6.44 % p.a. Interest rate
  • 6.50 % p.a.
    Comparison rate
Apply now Learn more

2 Year Fixed Investment Special Offer (Principal & Interest)

Lock in a great rate for your investment dream

  • Principal & Interest or Interest Only options
  • New loans from $500,000 only
  • Additional repayments up to $20,000 without penalty
  • 2 Year Fixed Rate P&I** 5.49 % p.a. Interest rate
  • 6.72 % p.a.
    Comparison rate
Apply now Learn more

Fixed Investment (Interest Only)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Interest Only
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 5.79 % p.a. Interest rate
  • 6.81 % p.a.
    Comparison rate
Apply now Learn more

Investment Variable (Interest Only)

Pay interest only repayments with this special product for investors

  • Interest Only
  • New Loans from $20,000 only
  • Offset 100% of the balance
  • Variable 7.04 % p.a. Interest rate
  • 7.10 % p.a.
    Comparison rate
Apply now Learn more

Fixed Investment (Principal & Interest)

An Investment Home loan that allows you to fix your rate for 1-5 years

  • Principal & Interest
  • New Loans from $20,000 only
  • Additional repayments up to $20,000 without penalty
  • 3 Year Fixed 5.59 % p.a. Interest rate
  • 6.63 % p.a.
    Comparison rate
Apply now Learn more

Not ready to apply but simply wish to make an enquiry?

Leave your details below and one of our consultants will be in touch.

 

 

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Footnotes:

  • 1 Home loan information and interest rates are for new money loans only and are subject to change. Loan to Value Ratio (LVR) is the ratio or money you borrow compared to the value of the property used as security, as determined by the Bank. LVR value is determined at time of origination only.
  • 2 This comparison rate is based on a $150,000 loan over a term of 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. All loan applications are subject to Australian Mutual Bank Ltd normal lending criteria. Fees and charges, terms and conditions apply.
  • 3 Special Offer Investment 2 Year Fixed Rate is applicable to loan applications received on or after 01 November 2024 and is subject to change without notice. New money only with a minimum borrowing amount of $500,000 and a maximum LVR of 80%. Reverts to the Investment Variable product at Principal & Interest repayments at the end of the fixed period. Offer available for a limited time only and may be withdrawn once portfolio is met.
  • 4 Reverts to the Investment Variable product at Principal & Interest repayments at the end of the fixed period.
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Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review Australian Mutual Bank Ltd Account and Access Facility Conditions of Use and Financial Services Guide before acquiring the product.

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