Bank of us
FlexiChoice Residential Investment Home Loan
If you want a residential investment loan with great pricing and flexibility, but without the need for an offset account, then our FlexiDiscount Residential Investment Home Loan with the option of eit
Home loansBank updated 3 Sept 2026
At a glance
- Variable (investor P&I)
- 6.19%
- Max LVR
- 90%
- Features
- redraw, extra repayments
§ 01 — Rates · 30
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · P&I | 1 yr fixed | ≤60% LVR | 6.74% | 6.27% | — |
| Fixed | Investment · P&I | 1 yr fixed | 60–70% LVR | 6.74% | 6.27% | — |
| Fixed | Investment · P&I | 1 yr fixed | 70–80% LVR | 6.79% | 6.32% | — |
| Fixed | Investment · P&I | 1 yr fixed | 80–90% LVR | 6.94% | 6.79% | — |
| Fixed | Investment · P&I | 1 yr fixed | >90.01% LVR | 7.04% | 7.45% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤60% LVR | 6.74% | 6.32% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 60–70% LVR | 6.74% | 6.32% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 70–80% LVR | 6.79% | 6.37% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 80–90% LVR | 6.94% | 6.81% | — |
| Fixed | Investment · P&I | 2 yrs fixed | >90.01% LVR | 7.04% | 7.41% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤60% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 60–70% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 70–80% LVR | 6.84% | 6.44% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 80–90% LVR | 7.09% | 6.88% | — |
| Fixed | Investment · P&I | 3 yrs fixed | >90.01% LVR | 7.19% | 7.42% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤60% LVR | 6.89% | 6.47% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 60–70% LVR | 6.89% | 6.47% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 70–80% LVR | 6.94% | 6.52% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 80–90% LVR | 7.09% | 6.91% | — |
| Fixed | Investment · P&I | 4 yrs fixed | >90.01% LVR | 7.19% | 7.41% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤60% LVR | 7.09% | 6.61% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 60–70% LVR | 7.09% | 6.61% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 70–80% LVR | 7.14% | 6.67% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 80–90% LVR | 7.29% | 7.03% | — |
| Fixed | Investment · P&I | 5 yrs fixed | >90.01% LVR | 7.39% | 7.48% | — |
| Variable | Investment · P&I | — | ≤60% LVR | 6.19% | 6.21% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.19% | 6.21% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.24% | 6.26% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 6.69% | 6.76% | — |
| Variable | Investment · P&I | — | >90.01% LVR | 7.39% | 7.48% | — |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ARREARS_FEE | Event | $40 | — | Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day. |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12 | — | Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour. |
| DISCHARGE_FEE | Event | $395 | — | Payable when we agree to discharge any security. |
| DUPLICATE_STATEMENT_FEE | Event | $5 | — | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| EVIDENCE_RETRIEVAL_FEE | Event | $20 | — | Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that t… |
| FURTHER_APPLICATION_FEE | Event | $300 | — | Payable when you ask us to increase the amount of credit. |
| INSURANCE_COLLECTION_FEE | Event | $40 | — | Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf. |
| RATE_LOCK_FEE | Event | $500capped $500 | — | Fee payable is $500 or 0.15% of the loan amount, whichever is lesser. Payable each time we agree to lock in an interest rate for a period of 90 days between the submission of your application and the… |
| SPECIAL_ATTENDANCE_FEE | Event | $300 | — | per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charge… |
| VARIATION_FEE | Event | $300 | — | Payable when we agree to any request by you to vary the terms of your credit contract (including varying your interest rate or switching product types). |
| BREAK_COST_FEE | Exit | $1 to $50,000 | — | Potentially payable if a fixed rate loan is repaid in full during a fixed rate period. |
| PROGRESS_INSPECTION_FEES | Upfront per plan | $109.09 to $1,090.90 | — | Payable if we carry out a progress inspection of any security property. Normally only applicable for construction loans with the amount determined at the time of each inspection. |
| HOME_LOAN_APPLICATION_FEE | Upfront | $300 | — | Fee only applies to residential investment lending (not owner-occupied lending) and may be waived where the loan-to-valuation ratio (LVR) is below 90%. HomeLoan Application fee |
| LENDER'S_MORTGAGE_INSURANCE_PREMIUM | Upfront | $117.63 to $126,397.73 | — | Lenders mortgage insurance is generally required for loans where the loan-to-valuation ratio (LVR) is above 80%. The premium payable by you is the amount charged by the lenders mortgage insurer to pr… |
| LOAN_DOCUMENTATION_COSTS | Upfront | $325 | — | Additional costs may apply including, but limited to, situations where there is more than one residential security property in differing ownership or States, or where guarantees/trusts/companies enti… Loan Documentation Costs |
| SECURITY_REVIEW_FEE | Upfront | $275 | — | Being the amount of costs and disbursements we have to pay a valuer for a valuation of any security. Fee may be waived for owner-occupied and residential investment lending where the loan-to-valuatio… Security Review Fee |
| SETTLEMENT_FEE | Upfront | $350 | — | — |
| TITLE_SEARCH_FEE | Upfront | $38.20 to $191 | — | Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost. |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- · Minimum balance $20,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank of us under the Consumer Data Right, last changed by them on 3 Sept 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.