Investment Home Loan
Our Investment Home Loan has a number of features and great flexibility. It’s designed specifically for investment lending so you can build your investment property portfolio.

Borrow
up to 90%4

$0 annual
fees

Split
loan option
Overview
The Investment Home Loan has a range of features and options:
- Variable rate
- Minimum loan amount of just $30,000
- Loan term up to 30 years
- Flexible repayment frequencies - pay weekly, fortnightly or monthly
- Split Option (with other Australian Military Bank home loans)
- Offset available (on loans with principal and interest repayments only)
- Borrow up to 90% of the property value4
- Principal and interest or interest only2 repayments

Rates & Fees
Here’s everything you need to know about the rates and fees for the Investment Home Loan:
- Variable rate
Principal and Interest
- Interest rate: 2.69% p.a.2
- Comparison rate*: 2.73% p.a.3
Interest Only
- Interest rate: 2.79% p.a.2
- Comparison rate*: 2.83% 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: $500
- Monthly fee: $8
- Annual fee: $0
- Mortgage discharge fee: $300
- Lenders Mortgage Insurance (LMI)4: Payable for loans with a deposit of less than 20% of the purchase price
- 3rd party charges: Stamp duty, legal fees and valuation fees apply
Additional fees may be payable. For more information please see our Schedule of Fees and Charges.
Download our Schedule of Fees and Charges

Questions
Here are the top 5 questions we get asked about our Investment Home Loan. Have a different question? Call us on 1300 13 23 28 to speak to a home loan consultant.
What is a Variable Rate Home Loan?
A variable rate home loan has an interest charge at the applicable variable rate for that loan type. A borrower may selects a variable rate to take advantage of anticipated rate reductions. A variable rate may change due to a number of factors which include, the Reserve Bank changing cash rates and other commercial or competitive influences. A borrower may opt to switch from a variable loan to a fixed rate at any time.
What is a Fixed Rate Home Loan?
A fixed rate home loan has an interest rate that does not change for a fixed period. Once this period ends, the borrower may opt to fix the loan again at the prevailing fixed rate, or revert to the applicable variable rate. A borrower must ensure the fixed term period has ended to make changes. A borrower can select a fixed rate period of either 1,2,3 or 5 years. A fixed rate will not change even when the Reserve Bank or other influences increase or decrease interest rates. Borrowers normally opt to fix their home loan, because they have found a loan that has a desirable rate and suits their needs.
I don’t need to borrow much money. What’s the minimum amount
I can borrow?
The Investment Home Loan lets you borrow as little as $30,000.
Can I split this loan?
Yes. This home loan can be split with other Australian Military Bank home loans.
Can I redraw additional repayments from my loan?
Yes, a redraw facility is available on the Investment Home Loan.
Can I only buy an investment property with this loan?
Yes. The Investment Home Loan can only be used to purchase an investment property. The loan cannot be used for non-residential investments.

starting from
starting from
Use the arrows to scroll through the many Australian Military Bank Investment Home Loans options RESET
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Great features matched with great flexibility2.69% p.a.2.73% p.a.Up to 90%$8$0Principal and interest or interest only4$30,000Up to 30 yearsInvestor
-
Great features matched with great flexibility2.79% p.a.2.83% p.a.Up to 90%$8$0Interest only$30,000Up to 30 yearsInvestor
-
Letting you plan financially with the certainty of fixed repayments at a competitive rate2.59% p.a.4.81% p.a.Up to 90%$8$0Principal and interest$150,000Up to 30 yearsInvestor
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Letting you plan financially with the certainty of fixed repayments at a competitive rate2.59% p.a.4.60% p.a.Up to 90%$8$0Principal and interest$150,000Up to 30 yearsInvestor
-
Designed specifically for the purpose of investing in Defence Housing2.69% p.a.2.73% p.a.Up to 90%$8$0Principal and interest$150,000Up to 30 yearsInvestor
-
Designed specifically for the purpose of investing in Defence Housing2.79% p.a.2.83% p.a.Up to 90%$8$0Interest only$150,000Up to 30 yearsInvestor
-
Vanilla loan with a super-low rate3.95% p.a.3.99% p.a.Up to 90%$0$0Principal and Interest only$150,000Up to 30 yearsInvestor
-
Helping you build a dream home, a granny flat or renovate an existing home.3.95% p.a.4.09% p.a.Up to 90%$8$0Principal and interest or interest only4$50,0002 yearsConstruction Investor
The small print
Rates are effective from 22 February 2021 and are subject to change. Terms, conditions, fees, charges and lending criteria apply. These are available at the time of application.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the DHA Investment Loan and Investment Home Loan, the interest rate displayed is applicable for new loan borrowings of $250,000 or more).
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). 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.
4 This amount is excluding Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
The small print
Rates are effective from 22 February 2021 and are subject to change. Terms, conditions, fees, charges and lending criteria apply. These are available at the time of application.
1 Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan. Terms and conditions apply. Separate Interest Rates and Comparison Rates apply for Interest Only loans. Contact us to find out more.
2 Rates are current at the time of publication and are subject to change. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). The rates displayed are only available for new investors, loan borrowings of $150,000 or more (excluding the DHA Investment Loan and Investment Home Loan, the interest rate displayed is applicable for new loan borrowings of $250,000 or more).
3 Comparison rate is calculated on a loan amount of $150,000 over a 25-year term. The rates displayed are at 80% LVR (meaning that a minimum 20% deposit is required). 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.
4 This amount is excluding Lenders Mortgage Insurance (LMI) premium. LMI is required when borrowing in excess of 80% LVR. Further restrictions may apply as required by our Lender’s Mortgage Insurance provider.
5 Based on total average monthly balance and applies to ATM, EFTPOS, Direct Debit and BPAY® transactions.
6 The First Home Loan Deposit Scheme is an Australian Government initiative to help first home buyers get into their first home sooner. Australian Military Bank is proud to be supporting the initiative and supporting eligible first home buyers enter the property market. This is available with Australian Military Bank from 1 February 2020. For more information, click here.
® Registered to BPAY Pty Ltd ABN 69 079 137 518