Investment Fixed Rate Home Loan
The Investment Fixed Rate Home Loan lets you plan financially with the certainty of fixed repayments at a competitive rate for either a 2 or 3 year period. It’s designed specifically so you can build your investment property portfolio.

Borrow
up to 90%4

2 or 3 year
fixed rate period

$0 annual
fees
Overview
The Investment Fixed Rate Home Loan features:
- Fixed interest rate for a period for 2 or 3 years
- Minimum loan amount of $150,000
- Loan term up to 30 years
- Flexible repayment frequencies - pay weekly, fortnightly or monthly
- Split Option (with other Australian Military Bank home loans)
- Low monthly fees
- Borrow up to 90% of the property value (inclusive of LMI)4
- Principal and interest or interest only2 repayments

Rates & Fees
Here’s everything you need to know about the rates and fees for the Investment Fixed Rate Home Loan:
Principal and Interest
2 Year Investment Fixed Rate Home Loan
- 2 Year Fixed Interest rate: 5.34% p.a.2
- 2 Year Fixed Comparison rate*: 6.42% p.a.3
3 Year Investment Fixed Rate Home Loan
- 3 Year Fixed Interest rate: 5.74% p.a.2
- 3 Year Fixed Comparison rate*: 6.42% p.a.3
Interest Only
2 Year Investment Fixed Rate Home Loan
- 2 Year Fixed Interest rate: 5.34% p.a.2
- 2 Year Fixed Comparison rate*: 6.42% p.a.3
3 Year Investment Fixed Rate Home Loan
- 3 Year Fixed Interest rate: 5.74% p.a.2
- 3 Year Fixed Comparison rate*: 6.42% p.a.3
*Comparison rate based on a loan of $150,000 repaid over 25 years. WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges.
Different terms, fees or other loan amounts might result in a different comparison rate.
- Application fee: $450
- Monthly fee: $0
- Annual fee: $0
- Mortgage discharge fee: $120 + break fee if the loan is repaid during the fixed rate period
- Lenders Mortgage Insurance (LMI)4: Payable for loans with a deposit of less than 20%
- 3rd party charges: Stamp duty, legal fees and valuation fees apply
Additional fees may be payable. For more information please see our Fees and Charges Schedule.
Download our Fees and Charges Schedule
Questions

starting from
starting from
Use the arrows to scroll through the many Australian Military Bank Investment Home Loans options RESET
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Simple loan with a super-low rate5.89% p.a.5.92% p.a.Up to 90%$0$0Principal and Interest only$150,000Up to 30 yearsInvestor
-
Great features matched with great flexibility6.24% p.a.6.27% p.a.Up to 90%$0$0Principal and interest or interest only4$150,000Up to 30 yearsInvestor
-
Great features matched with great flexibility6.73% p.a.6.76% p.a.Up to 80%$0$0Interest only$150,000Up to 30 yearsInvestor
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Letting you plan financially with the certainty of fixed repayments at a competitive rate5.34% p.a.6.42% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
-
Letting you plan financially with the certainty of fixed repayments at a competitive rate5.74% p.a.6.42% p.a.Up to 90%$0$0Principal and interest$150,000Up to 30 yearsInvestor
-
Helping you build a dream home, a granny flat or renovate an existing home.6.53% p.a.6.56% p.a.Up to 90%$0$0Principal and interest or interest only4$50,0002 yearsConstruction Investor
The small print
Rates are effective from 23 July 2025 and are subject to change.
Lending criteria, terms, conditions, fees and charges (including early break fees) apply.
1 During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
2 Interest rates are based on new investment home loans for $150,000 or more with a Loan to Value Ratio (LVR) of:
- 60% for RateSaver and Value loans when making monthly principal & interest repayments,
- 95% for Fixed Rate loans when making monthly principal & interest repayments (or 20% for monthly interest only repayments).
- 95% for Construction loans when making monthly interest only repayments.
Rates are available for new loan applications, include a discount to the applicable reference rate and subject to change.
At the end of the fixed period on the Investment Fixed Rate Home Loans, the loan will convert to the Investment Value Home Loan at the applicable variable rate for a principal and interest loan.
3 Comparison rate based on a $150,000 secured loan over 25 years with monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees and loan amounts will result in a different comparison rate. Comparison rates for variable interest only home loans are based on an initial 5-year interest only period. Comparison rates for fixed rate interest only home loans are based on an initial interest only period equal in term to the fixed period.
4 Lenders Mortgage Insurance (LMI) is required when borrowing more than 80% loan to value ratio (LVR). Our LMI provider may require additional terms and conditions. The calculation of the maximum LVR includes the LMI premium. During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The small print
Rates are effective from 23 July 2025 and are subject to change.
Lending criteria, terms, conditions, fees and charges (including early break fees) apply.
1 During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
2 Interest rates are based on new investment home loans for $150,000 or more with a Loan to Value Ratio (LVR) of:
- 60% for RateSaver and Value loans when making monthly principal & interest repayments,
- 95% for Fixed Rate loans when making monthly principal & interest repayments (or 20% for monthly interest only repayments).
- 95% for Construction loans when making monthly interest only repayments.
Rates are available for new loan applications, include a discount to the applicable reference rate and subject to change.
At the end of the fixed period on the Investment Fixed Rate Home Loans, the loan will convert to the Investment Value Home Loan at the applicable variable rate for a principal and interest loan.
3 Comparison rate based on a $150,000 secured loan over 25 years with monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees and loan amounts will result in a different comparison rate. Comparison rates for variable interest only home loans are based on an initial 5-year interest only period. Comparison rates for fixed rate interest only home loans are based on an initial interest only period equal in term to the fixed period.
4 Lenders Mortgage Insurance (LMI) is required when borrowing more than 80% loan to value ratio (LVR). Our LMI provider may require additional terms and conditions. The calculation of the maximum LVR includes the LMI premium. During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
The Target Market Determinations (TMD) for our products are available here
® Registered to BPAY Pty Ltd ABN 69 079 137 518