Pivot Loan

An individually tailored loan product for applicants with both a home loan and an investment loan.

Terms, Conditions & Eligibility Criteria apply for the Switzer Pivot Home Loan (PHL). The PHL loan facility may not be suitable for, or available to all clients. Home Loan loyalty discounts are only available to applicants with both a Home and an Investment Loan with the discounted Home Loan Rate of 1.90% p.a. only available to applicants that meet specific criteria. Indicative interest rates for both the Home Loan and the Investment Loan can be found by using the Pivot Calculator below.


Calculate your loan rate

Try the Pivot calculator to find out how low your home rate can be with the Switzer Pivot Home Loan*

*The rates quoted are indicative only at today’s date and are subject to change. All rates and costs are conditional on a full loan application and assessment


  • 1

    Repay your home loan sooner

    Each Switzer Pivot Home Loan is specifically tailored to the circumstances of the borrower to ensure they have the capacity to repay their home loan as quickly as possible.

  • 2

    Your loans are reviewed annually

    To make sure you are using the full features and realising the potential benefits of your facility, your account is reviewed annually by the Switzer Home Loans lending team.

  • 3

    Tax efficient options

    We understand the importance of after tax investment returns, so our pivot home loan provides different interest rate structures to suit your situation and is covered by a specific tax ruling from the ATO under ruling PR2017/13.

  • 4

    Offset Accounts Included

    Free multiple offset accounts are available with the loans to ensure you are making the most of your income and savings.

  • 5

    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.

  • 6

    Online and phone access

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

Apply online

Variable Rates

Variable Rate Comparison Rate
1.9% p.a.* 1.9% p.a.*
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.


Home Loan Application fee Nil
Investment Loan Application fee $1,500
Home Loan Annual Facility fee Nil
Investment Loan Annual Facility Fee $395
Valuation Fees Nil
Solicitors Fees  Nil

Other fees are payable, full details covered in mortgage documentation

Apply onlineCall us today


Maximum Loan Amount $1,250,000
Maximum Facility Amount $2,000,000
Term Up to 30 years
Maximum Loan to Value Ratio 80%
Permitted Purpose Purchase or refinance residential property or refinance investment loans
Interest Only Option Yes – 1 to 5 years – Investment Portion
Interest in Advance Option No
Fixed Interest Option Not applicable
Split Loan Portions Available Yes – Up to 4 separate splits
Redraw Available Yes (free via website)
Additional Payments Yes
Pre-Approvals Yes
Construction Option No
Online Access Yes
Payment Options Salary Credit, Direct Debit, Direct Credit or B-Pay
Direct crediting for rent purposes Yes
Offset Account Yes