Flexible Choice Investment

Home loansBank updated 14 Oct 2026

At a glance

Variable (investor P&I): 7.49%
Max LVR: 80%
Features: offset, 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.

Typical 6.59%

6%6.2%6.4%6.6%6.8%7%7.2%7.4%to 9.8%

This home loan: 7.49%Every other institution's lowest, 103 in all

Investment, principal & interest, 80% LVR. One dot per institution, at its lowest investor variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Investor variable home loanInvestment, principal & interest, 80% LVR	7.49%	5.94%AAA Financial Corporation's Portfolio Loan	6.59%of 104 institutions	97th lowest of 104

Rates

Every rate bankWAW publishes for this home loan, 12 in all.

Variable and fixed, at 80% LVR

Investment, principal and interest, the lowest rate for each

Variabletypical 6.59%7.49%
1 yr fixed6.80%
2 yrs fixed6.70%
3 yrs fixed6.65%
4 yrs fixed7.05%
5 yrs fixed7.15%

This home loanTypical lender's best

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	Investment, P&I	1 yr fixed	≤60% LVR	6.70%	7.45%	-
Fixed	Investment, P&I	1 yr fixed	60–80% LVR	6.80%	7.46%	-
Fixed	Investment, P&I	2 yrs fixed	≤60% LVR	6.60%	7.35%	-
Fixed	Investment, P&I	2 yrs fixed	60–80% LVR	6.70%	7.37%	-
Fixed	Investment, P&I	3 yrs fixed	≤60% LVR	6.55%	7.26%	-
Fixed	Investment, P&I	3 yrs fixed	60–80% LVR	6.65%	7.29%	-
Fixed	Investment, P&I	4 yrs fixed	≤60% LVR	6.95%	7.31%	-
Fixed	Investment, P&I	4 yrs fixed	60–80% LVR	7.05%	7.37%	-
Fixed	Investment, P&I	5 yrs fixed	≤60% LVR	7.05%	7.34%	-
Fixed	Investment, P&I	5 yrs fixed	60–80% LVR	7.15%	7.38%	-
Introductory	Investment, P&I	3 yrs intro	1–80% LVR	6.74%	7.31%	-
Variable	Investment, P&I	-	1–80% LVR	7.49%	7.54%	-

Rate changes

12 changes logged, newest first.

Date	Rate	Was	Now	Change
12 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, ≤60% LVR	6.45%	6.70%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, 60–80% LVR	6.55%	6.80%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, ≤60% LVR	6.35%	6.60%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 60–80% LVR	6.45%	6.70%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR	6.30%	6.55%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR	6.40%	6.65%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 4 yrs fixed, ≤60% LVR	6.70%	6.95%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 4 yrs fixed, 60–80% LVR	6.80%	7.05%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, ≤60% LVR	6.80%	7.05%	up 0.25
12 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, 60–80% LVR	6.90%	7.15%	up 0.25
12 Oct 2026	Introductory, Investment, P&I, 3 yrs intro, 1–80% LVR	6.49%	6.74%	up 0.25
12 Oct 2026	Variable, Investment, P&I, 1–80% LVR	7.24%	7.49%	up 0.25

Each change is logged the night it appears in the rates bankWAW publishes. See how every lender answered the RBA on the rate tracker.

Fees

12 fees published, grouped by when they're charged.

When you take it outUp to $3002 fees, each listed below
While you hold itUp to $62 fees, each listed below
When you close it or pay it offNo fee published

When you take it out2

FIXED_RATE_LOCK_IN_FEE
borrowed amount
0.00% of balance
LOAN_SUBSTITUTION_OF_PROPERTY_MORTGAGE_FEE
$300

While you hold it2

LOAN_OFFSET_SERVICE_FEE
$6
MORTGAGE_OFFSET_FEE
$6

When you make a transaction4

LOAN_LEGAL_FEES,_VALUATIONS,_SURVEYS,_AND_SETTLEMENT_FEES
No fee
LOAN_VALUATION_FEE
No fee
LOAN_REDRAW_FACILITY_FEE_ONLINE
$10
LOAN_REDRAW_FACILITY_FEE_OVER_COUNTER
$20

When particular things happen4

HOME_LOAN_APPLICATION_FEE_-_NEW_APPLICATIONS
$600
HOME_LOAN_TOP_UP_FEE_____EXISTING_LOAN
$300
LOAN_DISCHARGE_FEE_____REGISTRATION_OR_SETTLEMENT
Plus out of pocket expenses
$250
LOAN_VARIATION_FEE
$600

Features

Offset accountRedrawExtra repayments

Eligibility and limits

Minimum age 18
Amount $45,000 to $3,500,000

Compare it with others

All home loans Other bankWAW home loans Everything bankWAW publishes

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Published by bankWAW under the Consumer Data Right, last changed by them on 14 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.