Switzer Line of Credit

A tailored home loan with all the features, no fees and a low interest rate.


  • 1

    Multiply your investment power

    With your Switzer Line of Credit, you can multiply your investment power and use the equity in your property to invest in other assets such as shares, property or managed funds. Alternatively, use for lifestyle purposes.

  • 2

    Flexible and cost effective

    You only pay interest on the balance outstanding, and the funds are available when and where you want them. A line of credit gives you control.

  • 3

    Tax efficient options

    We understand the importance of after tax investment returns, so our line of credit includes interest only and the option to capitalise interest

  • 4

    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.

  • 5

    Online and phone access

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

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Variable Rate Comparison Rate
4.49% Not required


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 $50,000 to $1,000,000
Term Up to 25 years (15 years for interest only)
Maximum Loan to Value Ratio 80%
Permitted Purpose For investment or personal use
Interest Only Option Yes
Interest Capitalisation Yes under approved facility limit
Payment Options Direct Debit, Direct Credit, B-Pay, Deposit Book, and Internal Portion Transfer
Online Access Yes
Debit Card available Yes
Cheque Book access Yes

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: