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Fixed Rate Investment Loan

For those who want the certainty of a fixed interest rate and repaymnet for their preferred term - with added flexibility of a redraw facility.

Home loansBank updated 2 Oct 2026
Apply at Summerland Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Annual fee
$96
Features
redraw, extra repayments

Rates

Every rate Summerland publishes for this home loan, 15 in all.

Variable and fixed, at 80% LVR

Investment, principal and interest, the lowest rate for each

  1. 1 yr fixed6.49%
  2. 2 yrs fixed6.51%
  3. 3 yrs fixed6.51%
  4. 4 yrs fixed6.79%
  5. 5 yrs fixed6.94%
This home loan
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I1 yr fixed-6.49%6.82%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I1 yr fixed-6.54%6.82%-
FixedInvestment, principal and interest, interest only loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the breakInvestment, P&I1 yr fixed-6.54%6.93%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I2 yrs fixed-6.51%6.79%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I2 yrs fixed-6.57%6.80%-
FixedInvestment, principal and interest, interest only loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the brea…Investment, P&I2 yrs fixed-6.57%6.91%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I3 yrs fixed-6.51%6.77%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I3 yrs fixed-6.57%6.78%-
FixedInvestment, principal and interest, interest only loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the brea…Investment, P&I3 yrs fixed-6.57%6.89%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I4 yrs fixed-6.79%6.85%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I4 yrs fixed-6.94%6.90%-
FixedInvestment, principal and interest, interest only loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the brea…Investment, P&I4 yrs fixed-6.94%7.01%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 60% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I5 yrs fixed-6.94%6.91%-
FixedInvestment, principal and interest repayments only. Minimum new loan amount of $150,000, with a loan to valuation ratio of 80% of less. Eligibility for new borrower specials for customers seeking bot…Investment, P&I5 yrs fixed-7.09%6.98%-
FixedInvestment, principal and interest, interest only loans. Minimum loan amount of $30,000. A fixed rate break cost fee may be payable and equates to a reasonable estimate of our loss caused by the brea…Investment, P&I5 yrs fixed-7.09%7.09%-

Fees

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

  1. When you take it outUp to $8007 fees, each listed below
  2. While you hold it$8 a monthLoan Administration Fee
  3. When you close it or pay it offNo fee published

When you take it out7

  • Establishment Fee

    New Borrower Special

    $300
  • Guarantee Establishment Fee
    $200
  • Legal Fee

    Legal Fee - residential $200; Legal Fee - Non Residential at cost.

    $200
  • Loan Increase Fee
    $300
  • Settlement Fee
    Varies
  • Valuation Fee - Construction

    Payable in addition to the Valuation Fee - residential.

    $800
  • Valuation Fee

    Valuation Fee - Residential $300; Valuation Fee - Non-Residential is at cost. Includes commercial, rural & rural lifestyle properties over 30ha.

    $300

While you hold it1

  • Loan Administration Fee
    $8 a month

When you make a transaction3

  • Mortgage Discharge Fee
    $250
  • Redraw fee - Assisted
    $25
  • Redraw Fee - Electronic
    No fee

When particular things happen2

  • Contract Variation/Consent Fee
    $300
  • QuickDebit Dishonour Fee
    $15

Features

RedrawExtra repaymentsGuarantor optionInstant paymentsPayIDDigital banking
  • Save on paper, receive and view your statements online with eStatements.

Eligibility and limits

  • Minimum age 18
  • Residency: An eligibility constraint based on residency status applies.
  • Available to individuals
  • Amount from $30,000, no maximum
  • Lending criteria apply.

Published by Summerland Bank under the Consumer Data Right, last changed by them on 2 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.