Bluebay Home LoansSMSF Commercial
SMSF Commercial
Also sold at the same rates and fees as Crown Money Management, Hejaz Islamic Home Finance, Mortgage Mart, OwnHome, Riyadh Financial Services, WLTH and Zank Financial.
Home loansLender updated 5 Nov 2026
At a glance
- Variable (investor P&I)
- 8.08%
- Max LVR
- 80%
- Annual fee
- $395
- Features
- offset, extra repayments
Rates
Every rate Bluebay Home Loans publishes for this home loan, 48 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%8.23%
- 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%8.08%
- 70–80%8.23%
| 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 | 8.28% | - | - |
| 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 | 8.78% | - | - |
| 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 | 8.43% | - | - |
| 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 | 8.93% | - | - |
| 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 | 8.08% | - | - |
| 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 | 8.58% | - | - |
| 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 | 8.23% | - | - |
| 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 | 8.73% | - | - |
Fees
4 fees published, grouped by when they're charged.
- When you take it outNo fee published
- While you hold it$395 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
While you hold it1
- Lender's Annual Facility Fee$395 a year
When particular things happen1
- Fixed Rate Lock Fee$495
When you close it or pay it off1
- Discharge Administration Fee$2,200
Other fees1
- Valuation Fee
At Cost
Varies
Features
Offset accountExtra repaymentsDigital banking
- Rate Lock
- LMI Available
- Split Loan
Eligibility and limits
- Minimum balance $50,000
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Published by Bluebay Home Loans under the Consumer Data Right, last changed by them on 5 Nov 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.