Bank of usFlexiChoice 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
At a glance
- Variable (investor P&I)
- 6.44%
- Max LVR
- 90%
- Features
- redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 6.49% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 26th lowest of 104, level with 14 others |
Rates
Every rate Bank of us publishes for this home loan, 30 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%6.49%
- 1 yr fixed6.79%
- 2 yrs fixed6.79%
- 3 yrs fixed6.84%
- 4 yrs fixed6.94%
- 5 yrs fixed7.14%
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
- ≤60%6.44%
- 60–70%6.44%
- 70–80%6.49%
- 80–90%6.89%
- >90.01%7.64%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, P&I | 1 yr fixed | ≤60% LVR | 6.74% | 6.50% | - |
| Fixed | Investment, P&I | 1 yr fixed | 60–70% LVR | 6.74% | 6.50% | - |
| Fixed | Investment, P&I | 1 yr fixed | 70–80% LVR | 6.79% | 6.55% | - |
| Fixed | Investment, P&I | 1 yr fixed | 80–90% LVR | 6.94% | 6.96% | - |
| Fixed | Investment, P&I | 1 yr fixed | >90.01% LVR | 7.04% | 7.67% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤60% LVR | 6.74% | 6.52% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 60–70% LVR | 6.74% | 6.52% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 70–80% LVR | 6.79% | 6.57% | - |
| Fixed | Investment, P&I | 2 yrs fixed | 80–90% LVR | 6.94% | 6.97% | - |
| Fixed | Investment, P&I | 2 yrs fixed | >90.01% LVR | 7.04% | 7.61% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤60% LVR | 6.79% | 6.57% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 60–70% LVR | 6.79% | 6.57% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 70–80% LVR | 6.84% | 6.62% | - |
| Fixed | Investment, P&I | 3 yrs fixed | 80–90% LVR | 7.09% | 7.02% | - |
| Fixed | Investment, P&I | 3 yrs fixed | >90.01% LVR | 7.19% | 7.60% | - |
| Fixed | Investment, P&I | 4 yrs fixed | ≤60% LVR | 6.89% | 6.63% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 60–70% LVR | 6.89% | 6.63% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 70–80% LVR | 6.94% | 6.68% | - |
| Fixed | Investment, P&I | 4 yrs fixed | 80–90% LVR | 7.09% | 7.03% | - |
| Fixed | Investment, P&I | 4 yrs fixed | >90.01% LVR | 7.19% | 7.56% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤60% LVR | 7.09% | 6.75% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 60–70% LVR | 7.09% | 6.75% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 70–80% LVR | 7.14% | 6.81% | - |
| Fixed | Investment, P&I | 5 yrs fixed | 80–90% LVR | 7.29% | 7.14% | - |
| Fixed | Investment, P&I | 5 yrs fixed | >90.01% LVR | 7.39% | 7.62% | - |
| Variable | Investment, P&I | - | ≤60% LVR | 6.44% | 6.46% | - |
| Variable | Investment, P&I | - | 60–70% LVR | 6.44% | 6.46% | - |
| Variable | Investment, P&I | - | 70–80% LVR | 6.49% | 6.51% | - |
| Variable | Investment, P&I | - | 80–90% LVR | 6.89% | 6.96% | - |
| Variable | Investment, P&I | - | >90.01% LVR | 7.64% | 7.74% | - |
Rate changes
5 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Variable, Investment, P&I, ≤60% LVR | 6.19% | 6.44% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 60–70% LVR | 6.19% | 6.44% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 70–80% LVR | 6.24% | 6.49% | up 0.25 |
| 16 Oct 2026 | Variable, Investment, P&I, 80–90% LVR | 6.69% | 6.89% | up 0.20 |
| 16 Oct 2026 | Variable, Investment, P&I, >90.01% LVR | 7.39% | 7.64% | up 0.25 |
Each change is logged the night it appears in the rates Bank of us publishes. See how every lender answered the RBA on the rate tracker.
Fees
18 fees published, grouped by when they're charged.
- When you take it outUp to $3507 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it off$1 to $50,000BREAK_COST_FEE
When you take it out7
- PROGRESS_INSPECTION_FEES
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.
$109.09 to $1,090.90 - HOME_LOAN_APPLICATION_FEE
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
$300 - LENDER'S_MORTGAGE_INSURANCE_PREMIUM
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…
$117.63 to $126,397.73 - LOAN_DOCUMENTATION_COSTS
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
$325 - SECURITY_REVIEW_FEE
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
$275 - SETTLEMENT_FEE$350
- TITLE_SEARCH_FEE
Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost.
$38.20 to $191
When particular things happen10
- ARREARS_FEE
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.
$40 - CHEQUE_DISHONOUR_(INWARD)_FEE
Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.
$12 - DISCHARGE_FEE
Payable when we agree to discharge any security.
$395 - DUPLICATE_STATEMENT_FEE
Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.
$5 - EVIDENCE_RETRIEVAL_FEE
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…
$20 - FURTHER_APPLICATION_FEE
Payable when you ask us to increase the amount of credit.
$300 - INSURANCE_COLLECTION_FEE
Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf.
$40 - RATE_LOCK_FEE
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…
$500capped at $500 - SPECIAL_ATTENDANCE_FEE
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…
$300 - VARIATION_FEE
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).
$300
When you close it or pay it off1
- BREAK_COST_FEE
Potentially payable if a fixed rate loan is repaid in full during a fixed rate period.
$1 to $50,000
Features
Eligibility and 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
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Published by Bank of us under the Consumer Data Right, last changed by them on 15 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.