Switzer Investment Loan

A tailored investment home loan to help you maximise the financial return of your residential property investment.



  • 1

    Low rate & No fees

    Competitive interest rates, with no fees.

  • 2

    Tailored to suit you

    A low rate loan specifically designed for your investment situation to help you achieve your goals and objectives.

  • 3

    You choose how to structure

    Whether the rate is fixed or variable, a combination of the two, principal and interest or interest only, we will work with you to structure the investment loan to best suit your needs.

  • 4

    Multiple payment options

    Get the payment option that suits your structure. Direct Credits, Direct Debits or B-Pay or have your tenants pay the rent straight into your loan account. You Choose.

  • 5

    Tax efficient options

    We understand the importance of after tax investment returns, so our investment loan provides the capacity to split your loan into different portions with different interest rate and repayment structures to suit your situation.

  • 6

    Your own lending service manager

    Our lending service managers have a minimum of 10 years banking and lending experience. As a Switzer client, you will have direct access to your own lending service manager.

  • 7

    Online and phone access

    Access you loan via our website, or call your lending service manager.

Apply online


Variable Rates

Variable Rate Comparison Rate
3.69% 3.69%
  • Ongoing fee Nil
  • Establishment fees – Nil
  • Loan size $200k – $2.0m
  • Principal and Interest Repayments
  • Offset account available for loans to $750,000
  • We pay Vals and Legals
  • LVR to 80%
The comparison rate is based on a secured loan of $150,000 and a term of 25 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. 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.



Annual Fee $345 (Pro Pack Loans Only)
Application Fee Nil
Settlement Fee Nil

Other fees are payable, full details covered in mortgage documentation

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Loan Amount $200,000 to $2,000,000
Term Up to 30 years
Maximum Loan to Value Ratio 90%
Permitted Purpose Purchase or refinance residential property or cash out for improvements to your investment property
Interest Only Option Yes – 1 to 5 years
Interest in Advance Option No
Fixed Interest Option Yes – 1 to 5 years
Split Loan Portions Available Yes – Up to 6 separate splits
Redraw Available Yes (free via website)
Additional Payments (fixed accounts) Yes – Up to $10,000 per annum
Rate Lock No
Pre-Approvals Yes
Construction Option Yes
Online Access Yes
Payment Options Salary Credit, Direct Debit, Direct Credit or B-Pay
Direct crediting for rent purposes Yes
Offset Account Yes, for loan amounts of up to $750,000

Useful calculators

To help you determine how this loan can suit your investment needs, Switzer Home Loans is happy to provide you a range of useful calculators to determine:

What our customers say

Here is what a few of our customers have said:


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