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Investment Loans

Choosing the right investment loan is easy

Whether you’re buying your first investment property or growing your portfolio our Wealth Builder Investment Loan could be a great fit.

Up to
4.39%p.a. variable rate13
4.42%p.a. comparison rate1
We can help make your investment work harder for you, with low fixed and variable interest rates and the ability to add an offset account. Combined with highly personalised service, it's all here. Welcome to Wealth Builder.
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More than just great rates

100% offset facility

Reduce interest on your home loan by linking your loan to a transaction account to offset the loan’s principal.5

0.40% discount on the Standard Variable Rate

Enjoy 0.30% ongoing discount off the published Standard Variable Home Loan rate for the life of the loan. Plus for limited time an additional 0.10% making it 0.40% ongoing discount.

Borrow up to 90% LVR inc LMI

Borrow up to 90% of the value of your property (the Loan Value Ratio) including lender’s mortgage insurance (LMI).

One-off establishment fee

A single $600 establishment fee has you covered, and gives you access to great savings and rate discounts.

Wealth Builder: Principal and Interest Repayments

Up to
4.39%p.a. Variable Rate13
4.42%p.a. Comparison Rate1

Wealth Builder: Principal and Interest Repayments

Standard variable

4.79% p.a.13
4.82% p.a.1

1 year fixed

4.44% p.a.5
4.43% p.a.1

3 year fixed special5

4.64% p.a.
4.49% p.a.1

5 year fixed

4.85% p.a.5
4.62% p.a.1

Wealth Builder: Interest Only Repayments

Up to
5.04%p.a. Variable Rate
5.07%p.a. Comparison Rate1

Wealth Builder: Interest Only Repayments

Standard variable

5.54% p.a.
5.57% p.a.1

1 year fixed rate

5.64% p.a.
5.13% p.a.1

3 year fixed rate

5.64% p.a.
5.24% p.a.1

5 year fixed rate

6.05% p.a.
5.51% p.a.1
Up to
4.24%p.a. Variable rate13
4.62%p.a. Comparison rate1

Get more out of your investor loan when you package it up. Our competitive Wealth Builder investor loan package option means you can enjoy even more savings, including interest rate discounts, establishment fee waiver, fee-free switching plus a great range of benefits across health and home insurance.

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Compare home loans

Wealth Builder Investor Loan
Wealth Builder Investor Package

$600 establishment fee payable

 

 

$399 annual fee payable (no establishment fee)

 

 

Annual fee waiver on a Big Sky credit card

 

 

10% discount on Australian Unity health insurance2

 

 

$100 Allianz landlord's insurance credit3

 

 

12 months of Emergency Home Assistance (value4 $123) free when you take out a new Allianz Home Building, Contents or Landlord policy through Australian Unity4

 

 

No fee when switching from a variable to a fixed interest rate (normally $249)

 

 

Australian Unity packages are available on Wealth Builder home loans with both principal and interest repayments.

View interest only rates

Interest rate table

Wealth Builder Investor Loan
interest rates
Wealth Builder Investor Package
interest rates13



Variable rate

4.39% variable 13/4.42% comparison 1

4.24% variable 13/4.62% comparison 1




1 Year fixed rate 5

4.44% fixed 5/4.43% comparison 1

4.39% fixed 5/4.63% comparison 1




3 Year fixed rate5

4.64% fixed 5/4.49% comparison 1

4.59% fixed 5/4.71% comparison 1




5 Year fixed rate 5

4.85% fixed 5/4.62% comparison 1

4.80%fixed 5/4.85% comparison 1

Enquire today to about our great package options available on this home loan and see what you can save.

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Important information

Fees, Charges and Lending criteria apply for all loans and credit cards. Please refer to Terms of Use before applying for any product.

1 Available for new loans only. Other details on the investor loan package are available by contacting Australian Unity on 1300 790 740. Home and Investment Loan Comparison Rate is based on a secured loan $150,000 over a term of 25 years with fortnightly repayments. Comparison Rate is effective 1 March 2018. WARNING: the Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Normal lending criteria apply. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. All information is correct as at 1 March 2018 and is subject to change.

2 10% discount includes all other retail discounts and is only available when paying by direct debit. This discount is for new customers only and is not available through health insurance brokers or comparators. Not to be used in conjunction with any other offer or discount. Excludes Overseas Visitors Cover.

3 To be eligible for $100 credit, house and contents/landlord's insurance must be purchased together via our Customer Service Centre through direct debit or credit card payment. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discount/entitlement. This benefit available with Allianz Classic Home Insurance for Financial Institution customers. Discounts may not be applied to any flood component of the premium (if applicable). In arranging insurance Australian Unity Bank Limited ABN 30 087 652 079 AFSL 237994 acts as an agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision about insurance, please consider the Product Disclosure Statement issued by Allianz and available from Australian Unity. If you purchase insurance Australian Unity receives commission. Ask us for more information.

4 Australian Unity Bank Limited ABN 30 087 652 079 AFSL 237994 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited. ABN 15 000 122 850 AFSL 234708. Policy terms, conditions and exclusions apply. Before making a decision about this insurance please consider the Product Disclosure Statement available when you speak to us on 1300 790 740. 12 months’ Emergency Home Assistance Lite membership - Offer valid for new Home Building, Contents or Landlord insurance policies purchased through Australian Unity Bank. Property owners only. 12 months’ Emergency Home Assistance membership provided by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance. Full terms, conditions, limits and exclusions available at https://www.allianz.com.au/emergency-home-assistance/

5 The published fixed rates include the 0.10% fixed rate discount. The repayments for your fixed rate loan must be debited from your Australian Unity transaction or offset account for you to continue to receive this discount. Offset facility incurs a $10 monthly fee for the Wealth Builder Investor Loan. The offset facility $10 monthly fee is waived on the Wealth Builder Investor Package. Offset facilities are only available on variable rate loans.

13 This interest rate applies to home loans with principal and interest repayments only.

What is a Comparison Rate? To find out more click here.

Key facts sheets Refer to investment loan key facts sheet detailing the facts relating to your loan, including interest rate, repayments and fees, which can be used for comparison with other similar products on the market.

Fees and Charges Refer to Fees and Charges for information on current fees and charges.