Switzer Investment Loan
Low rate & No fees
Competitive interest rates, with no fees.
Tailored to suit you
A low rate loan specifically designed for your investment situation to help you achieve your goals and objectives.
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.
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.
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.
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.
Online and phone access
Access you loan via our website, or call your lending service manager.
|Variable Rate||Comparison Rate|
|Annual Fee||$120 (Pro Pack Loans Only)|
|Loan Amount||$200,000 to $3,000,000|
|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 10 years|
|Interest in Advance Option||Yes – 6 or 12 month options|
|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 $20,000 over the term of the fixed rate period|
|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|