At a glance
- Variable (investor P&I)
- 7.83%
- Max LVR
- 80%
- Annual fee
- $395
- Features
- offset, extra repayments
Rates
Every rate AAA Financial Corporation publishes for this home loan, 48 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.58%7.98%
- 1 yr fixed8.88%
- 2 yrs fixed8.88%
- 3 yrs fixed8.88%
- 4 yrs fixed8.98%
- 5 yrs fixed8.98%
Variable rate by LVR
Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤70%7.83%
- 70–80%7.98%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.03% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.53% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.68% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.03% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.53% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.68% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.83% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.33% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.98% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.48% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.83% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.33% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.98% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.48% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 8.03% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$5,000,000 | 8.53% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 8.18% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$5,000,000 | 8.68% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 7.83% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$5,000,000 | 8.33% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 7.98% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$5,000,000 | 8.48% | - | - |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 20 Oct 2026 | Fixed, Investment, Interest only, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 8.83% | 8.93% | up 0.10 |
| 20 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, ≤70% LVR, $50,000–$3,500,000 | 8.43% | 8.73% | up 0.30 |
| 20 Oct 2026 | Fixed, Investment, P&I, 1 yr fixed, 70–80% LVR, $50,000–$3,500,000 | 8.53% | 8.88% | up 0.35 |
| 20 Oct 2026 | Variable, Investment, Interest only, ≤70% LVR, $50,000–$3,500,000 | 7.93% | 8.03% | up 0.10 |
| 20 Oct 2026 | Variable, Investment, Interest only, 70–80% LVR, $50,000–$3,500,000 | 8.03% | 8.18% | up 0.15 |
| 20 Oct 2026 | Variable, Investment, P&I, ≤70% LVR, $50,000–$3,500,000 | 7.53% | 7.83% | up 0.30 |
| 20 Oct 2026 | Variable, Investment, P&I, ≤70% LVR, $50,000–$5,000,000 | 8.39% | 8.33% | down 0.06 |
| 20 Oct 2026 | Variable, Investment, P&I, 70–80% LVR, $50,000–$3,500,000 | 7.63% | 7.98% | up 0.35 |
Each change is logged the night it appears in the rates AAA Financial Corporation publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
- When you take it outUp to $2,5004 fees, each listed below
- While you hold it$395 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
When you take it out4
- Fixed Rate Lock Fee
Optional
$495 - Third Party Costs
This fee is applicable for SMSF Loans
$595 - Valuation Fee
This fee is applicable for SMSF Loans. Metro Locations under $1m or at cost
$244.20 - Valuation Fee
This fee is applicable for SMSF Loans. Commercial Only (approx. At Cost)
$2,500
While you hold it1
- Lender's Annual Facility Fee
Applicable only for Fixed Rates
$395 a year
When you close it or pay it off1
- Discharge Administration Fee
This fee is applicable for SMSF Loans
$2,200
Features
Offset accountExtra repaymentsDigital banking
- SMSF, Super contributions and rental income
- Flexible repayment options
Eligibility and limits
- Minimum age 18
- Residency: the members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia
- Available to businesses
- Minimum balance $50,000
- meets our lending eligibility criteria
- must hold the legal interest in the security property on trust for the SMSF
- must meet all relevant legislative and associated regulation requirements to acquire the property & borrow from the Property Trustee in accordance with the Superannuation Industry (Supervision) Act 1…
- Customer must hold a beneficial interest in the security property
- provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.
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Published by AAA Financial Corporation under the Consumer Data Right, last changed by them on 21 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.