We have a range of investor home loans to suit your needs Talk to us Phone us Email us Breadcrumbs UniBank Home Loans Investor home loans Investor home loans Whether your investment strategy is to step into the property market or to start building your wealth - we're here to help you choose the right home loan. Investor home loans Investor home loans Start your investment portfolio today Our range of investment options can be a great way to build your wealth. Especially in Australia where the rental market is mature, demand is high and there are excellent tax advantages. Take a look at our loan options to see which one would be best for you. Compare and apply Positive vs Negative Gearing Home Loan resource centre Your Way Investor Home Loan A simple and flexible investment loan with the option to split the loan and access free redraw on the variable portion. Learn more 6 .29 pa % Your Way Home Investor Loan Basic Variable rate (Investor, P&I, LVR up to 80%) 6 .31 pa** % Your Way Home Loan Basic Comparison rate (Investor, P&I, LVR up to 80%) Fixed and variable rate options Free redraw on the variable portion Make unlimited additional repayments on variable loans Apply Become a member Your Way Plus Investor Home Loan Access a loan with an offset facility and additional benefits with our package home loan for your investment property. Learn more 6 .39 pa % Your Way Plus Essential Worker variable rate (Investor, P&I, LVR up to 60%) 6 .69 pa** % Your Way Plus Essential Worker comparison rate (Investor, P&I, LVR up to 60%) Discounted Variable rates for life of the loan Establishment fee waived (normally $600) Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans 100% Offset facility so you can pay your loan down faster Apply Become a member To become a member, you'll need: To be an Australian citizen or permanent resident 18 years old or over + Identification + Account details to purchase your share in the bank Join **Comparison rate warning Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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. *Important information Product information on this page is current from 12 November 2024. All interest rates quoted are for new business only. For home loans no longer offered for sale please click here. Rates quoted and all rates subject to change. **Comparison rate warning Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. 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. Membership Eligibility and Lending Criteria Eligibility criteria apply to join Teachers Mutual Bank Limited. Fees and charges and lending criteria apply. Consumer lending terms and conditions available here. Essential workers ^Eligible Essential workers include: School Principal, Faculty Head, Commissioned Fire Officer, Commissioned Police Officer, Ambulance Officer, Intensive Care Ambulance Paramedic, Supervisor Police Officer, Police Officer, Senior Fire Fighter, Fire Fighter, Registered Nurse, Registered Midwife, Registered Mental Health Nurse, Registered Developmental Disability Nurse, Enrolled Nurse, Pre-Primary School Teacher, Primary School Teacher, Secondary School Teacher, Special Needs Teacher, Special Education Teachers, University Lecturer, University Tutor, Vocational Education Teacher, English as a Second Language Teacher. Redraw Facility Redraw is only available if borrowers have made additional repayments. If your loan has a redraw facility, you do not need to register to use the redraw facility on your loan account. Mortgage Offset Facility Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and condition and Conditions of use Accounts and access. For more information refer to our Mortgage Offset section. Refinance Home Loans Additional valuation and administration fee may apply. Your current mortgage provider may apply fees and break costs. Your Way Plus Your Way Plus is available as a package home loan with package benefits. A package fee is payable annually. For further details see Package Terms and Conditions which are available on our website. Additional home loan repayments No additional repayments can be made when a fixed rate applies to any part of the loan except for Your Way Plus fixed rate loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website. Break Fee Break fee may be payable if you make an early repayment to your fixed rate loan during a fixed rate period except for a Your Way Plus fixed rate home loan where borrowers are allowed to make early repayments up to $10k per anniversary year. For further details see Package Terms and conditions which are available on our website.
