3 Year Introductory Rate Investment Loan

Variable - Loan to valuation ratio equal to or less than 80%
Interest rate
3.99 % p.a1
Comparison rate
5.08 % p.a*
Variable - Loan to valuation ratio equal to or less than 90%2
Interest rate
4.19 % p.a1
Comparison rate
5.13 % p.a*

Interest rates effective 1 February 2019.

1Discounted variable rate applies for first 36 months converting to a variable rate with a 0.25% discount off our Standard Variable Investment Rate. 2Lenders Mortgage Insurance is required where the loan is greater than 80% of the value of the security property. This may vary based on the size and location of the property.

This comparison rate is based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. 

Start your investment portfolio with a low introductory variable interest rate for the first 3 years. We want to make the early years as easy as possible as you get used to regular payments and budgeting. At the end of the 3 year term the loan will convert to a variable rate with a 0.25% discount off our Standard Variable Investment Rate.

Features and Benefits:

  • Suitable for first time investors or those looking to refinance from existing lender
  • Discounted variable interest rate for the first 36 months1
  • Additional repayments without penalty
  • Free online and mobile banking redraws
  • Interest only option available#

Key Features:

Available to Individuals, Companies and Trusts
Investment Purpose Yes
Construction Loan Not Available
Minimum loan amount $50,000
Maximum loan amount 90% of the property value2
Loan Period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Additional Repayments Yes without penalty
Redraw Facility Yes
Application Fee $400
Monthly Fee No
Mortgage Offset Account No
Loan Repayment Insurance Available
Eligibility New Loans Only

Fees and Charges

How to get your Home Loan approved quickly

FAQ’s

#A margin of 0.30% will apply to interest only loans.  Lending criteria, terms and conditions, fees and charges apply. The Capricornian reserves the right to withdraw or alter this offer at any time.