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Key Features

You can SAVE hundreds
with this loan

*T&Cs Apply
  • Offset Account
    Yes
  • Redraw Facility
    Yes
  • Additional Repayments
    Yes
  • Loan Type
    1 Year Fixed
  • Min Loan
    Max Loan
    $100,000.00
    No maximum
  • Application Fee
    $300
  • Settlement Fee
    $250
  • Monthly Fee
    $10
  • Discharge Fee
    $450
  • Internet Access
    Yes
  • LVR
    90%
  • Repayment Type
    Principal & Interest
  • Loan Splitting
    Yes

Repayments Calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
years
How much do you want to borrow?
$
What is the type of the loan?

Principal
& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$1,798.65 per month

Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House's prevailing credit criteria apply. We recommend you seek independent legal and financial advice before proceeding with any loan.

Loan Details

  •  
    Interest Rate
    Comparison Rate
    The Comparison Rate is based on a loan of $150,000.00 over 25 years. Fees and charges may be payable. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Investor
    4.32% p.a.
    4.86% p.a.
  • Maximum LVR
    90%
     
  • Minimum Loan Size
    $100,000.00
     
  • Maximum Loan Size
    No maximum
     
  • Fixed Rates
    Yes
     
  • Loan Splitting
    The ability to have many separate accounts under one loan for which there may be multiple purposes, e.g personal and investment splits, fixed and variable splits, etc.
    Yes
     
Repayment Options
  • Principal & Interest
    A loan in which both the principal and the interest are repaid over the term of the loan. Amortisation or amortising is another word for these loans that are gradually being paid off over a set period of time (the loan term). P&I can also be the abbreviation term for Principal & Interest.
    Yes
     
  • Interest Only
     
     
  • Additional Repayments
    Money IN - Allows you to make additional repayments without penalty.
    Yes
     
  • Direct Debits
    Money IN - A direct debit is an automatic payment that is set up to repay your home loan. You specify the frequency and repayment amount as well as the bank or transaction account that the repayment is to be drawn from and this payment will occur automatically on the set due date.
    Yes
     
  • Salary Credit
    Money IN - A manual payment to a loan account either via internet transfer or employee payroll transfer
    Yes
     
  • Direct Credits
    Money IN - The ability for an external party to pay directly into a borrower's loan account
    Yes
     
  • Deposit Card
    Money IN - A card used at the post office to deposit your repayments (they can be your normal repayments that are due or additional repayments)
    Yes
     
  • Bpay In
    Money IN - The ability to pay your loan via a unique biller code from another financial institution
    Yes
     
  • Capitalising of Interest
     
     
  • Line of Credit
     
     
Loan Purpose
  • Purchase
    Where you are buying a property
    Yes
     
  • Refinance
    Where you are looking to move your current loan from one lender to another
    Yes
     
  • Debt Consolidation
    Where you are looking to move multiple loans into one loan
    Yes
     
  • Construction
    Where you are building a new property
    Yes
     
  • Vacant Land
    Where you are purchasing land with no immediate intent to build the new property straight away
    Yes
     
  • Equity Release
    Where you are looking to release cash from equity you have built up in your property
    Yes
     
  • Business Purpose
    Where you are looking to use funds for a business use
    Yes
     
Features
  • 100% Offset Facility
    A non-interest earning account where 100% of the balance is offset against the home loan to reduce the total interest payable.
    Yes
     
  • Redraw Facility
    Money OUT - If you have made any lump sum or additional principal repayments to your loan account in excess of the standard repayment amount, you can access or draw back those extra repayments.
    Yes
     
  • No Monthly Fees
     
     
  • No Package Fee (excluding Stretch Feature)
    No fee to pay each & every year.
    Yes
     
  • No Rate Lock Fee
     
     
  • Stretch Package Feature
    The ability to include a credit card facility at home loan rates into your home loan facility
    Yes
     
  • Low Deposit Option
     
     
  • Toggle Feature
    An innovative new loan feature that allows you to maximise your interest savings through and intelligent offset Toggle system
    Yes
     
  • Relocation Feature
    The ability to purchase you next home prior to you selling your current property
    Yes
     
  • Repayment Sweep of Credit Card
    Money OUT - Allows your loan to automatically clear your credit card linked to this loan back to zero each month.
    Yes
     
  • Internet Access
    The access via the internet to view & administer your home loan.
    Yes
     
  • Phone Access
    The access via the phone to administer your home loan.
    Yes
     
  • ATM / EFTPOS Debit Card
    Money OUT - An ATM card is included on this loan in order for you to withdraw cash or make purchases for living purposes.
    Yes
     
  • 3rd Party Direct Debits
    Money OUT - You can pass your loan account number & BSB to another financial institution in order to take money periodically from your home loan account.
    Yes
     
  • Repayment Required
    Each repayment cycle (normally monthly) a repayment must be made, regardless if you have redraw available in the loan account.
    Yes
     
  • Cheque Book
     
     
  • LMI Premium Capitalisation
    The ability to capitalise the Lenders Mortgage Insurance premium on top of your required loan amount
    Yes
     
  • 3rd Party Protocol Friendly
    Money IN and Money OUT - A payment made to a loan account or an amount taken from a loan account either via internet transfer, employee payroll transfer or by an external party
    Yes
     
  • Loan Switching
    You can switch you loans variable interest rate to a fixed interest rate (subject to the terms and conditions of your loan)
    Yes
     
  • Up to 40 Year Loan Term
     
     
  • Up to 30 Year Loan Term
     
     
  • Up to 25 Year Loan Term
     
     
  • SMSF Loans
     
     
  • Deposit Bond
    A deposit bond acts as a substitute for the cash deposit in between signing a contract and settlement and can be issued for all or part of the deposit amount required, up to 10% of the purchase price. At settlement, the purchaser is required to pay the full purchase price including the deposit.
    Yes
     
  • NRAS Option
     
     
  • Bpay Out
    Money OUT - The ability to pay your loan via a unique biller code to another financial institution
    Yes
     
  • No LMI Premium Payable By Borrower
     
     
  • Mortgage Insurance not Required
     
     
  • Loan Portability
    A feature that enables a home loan to be transferred from one property to another, without refinancing. It can be of benefit by savings on loan set-up fees and government loan security duty.
    Yes
     
Fees
  • Monthly Fee
    $10
     
  • Package Fee
    No package fee
     
  • Rate Lock Fee
    No rate lock fee
     
  • Application Fee
    $300
     
  • Valuation Fee
    Up to $300 free^
     
  • Settlement Fee
    $250
     
  • Discharge Fee
    $450
     
^Mortgage House will pay up to $300 per property, any excess valuation fees are payable by the borrower(s)
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Why are fixed rate investment loans different to home loans?

A 1 Year Fixed Investment Mortgage usually has one big difference to fixed rate owner-occupier home loans of the same length. That difference is often the interest rate. Banks and lenders see investment mortgages as a little bit riskier than regular home mortgages, and want to manage that risk the best they can. One way they can do that is by having higher interest rates. Our 1 Year Fixed Investment Mortgage rate is an example of an investment loan that is higher than the similar owner-occupier deal we offer. As an experienced lender, we put you first, and have a range of mortgages that can suit both the investor and the owner-occupier. We know how important your property dreams can be, and we want to do as much as we can to help you realise them.

How do I find out what repayments will be for my fixed investment loan?

When you are investing in property, it is important to know exactly what your repayments will be. Our 1 Year Fixed Investment Mortgage can give you that security for the agreed term, and you can find out exactly what those repayments will be, by using the repayments calculator above. But our mortgage calculators can do much more than just letting you know what your repayments will be. Our borrowing calculator can give you an indication of how much you may be able to borrow, before you formally start the process. This is not the same as pre-approval, and is only a guide, but it can give you a picture of what you might be able to borrow. This can help you narrow down the kinds of investment property to look for. We can also show you how much stamp duty you will pay on an investment property. And if you want a guide as to how much money you might have at the end of the month to put aside for an investment mortgage, our budget planning calculator can help.

Advantage - 1 Year Fixed - Investment

What are the benefits of a fixed rate?

Fixed rate mortgages allow you to have some certainly in your repayments. They are what they sound like they are – the interest rate is fixed, usually for a fixed period, in this case 1 year. Most banks and lenders fix rates for up to 10 years. After that, the loan can revert to a standard variable loan. If there is some fear interest rates will soon rise, a loan such as our 1 Year Fixed Investment Mortgage can give you the security of knowing that for the next 12 months, your repayments will not rise. You can look to increase the term after the 1 year if you wish. Fixed rates can be higher than variable interest rates, but you can have the comfort of knowing you are in control of your finances, not the Reserve Bank or the world economy.

How are interest rates set?

Banks and lenders can fix their interest rate levels based on a number of factors, including the state of the economy and the costs they incur in making it available to you. That’s where the Reserve Bank official cash rate can come into things. Banks and lenders can also vary their rates based on other variables particular to their business model. That is where a fixed-term loan such as our 1 Year Fixed Investment Mortgage can take some of the uncertainty away from repayments.

What is a comparison rate and what does it mean?

Whenever you see an interest rate advertised – fixed or variable – you should see a comparison rate next to it. Under law, banks and lenders are required to do this. That is because a comparison rate can give you a clearer picture of the indicative rate over the life of the loan. The comparison rate for mortgages takes into account any fees and charges you might pay while servicing the loan, and can strip any introductory offers away to make the overall cost easier to understand. All this can be hard to get your head around. That is why it is important to give us a call and let us talk you through everything to do with our 1 Year Fixed Investment Mortgage, including how it can benefit you and how we can help you with choosing between mortgages to help you meet your property investment goals. There can be a lot of information out there, and a lot of mortgages to choose from. Each individual loan application comes with a lot of paperwork, something a lot of people find difficult and daunting. And when you put the pressures of marketing and advertising on top of that, finding out as much information as possible can be very important.

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