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Key Features

You can SAVE hundreds
with this loan

*T&Cs Apply
  • Offset Account
  • Redraw Facility
  • Additional Repayments
  • Loan Type
    2 Years Fixed
  • Min Loan
    Max Loan
    No maximum
  • Settlement Fee
  • Monthly Fee
  • Discharge Fee
  • Internet Access
  • LVR
  • Repayment Type
    Principal & Interest
  • Loan Splitting

Repayments Calculator

The interest rate for the loan.
% p.a.
What is the length of time to repay the loan?
How much do you want to borrow?
What is the type of the loan?

& Interest

Interest Only

Your Repayments

  • Weekly
  • Fortnightly
  • Monthly

$0 per month

Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House’s prevailing credit criteria apply. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.

Loan Details

    Interest Rate
    Comparison Rate
    The Comparison Rate is based on a loan of $150,000.00 over 25 years. Fees and charges may be payable. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Investor
    6.79% p.a.
    7.15% p.a.
  • Maximum LVR
  • Minimum Loan Size
  • Maximum Loan Size
    No maximum
  • Fixed Rates
  • Loan Splitting
    The ability to have many separate accounts under one loan for which there may be multiple purposes, e.g personal and investment splits, fixed and variable splits, etc.
Repayment Options
  • Principal & Interest
    A loan in which both the principal and the interest are repaid over the term of the loan. Amortisation or amortising is another word for these loans that are gradually being paid off over a set period of time (the loan term). P&I can also be the abbreviation term for Principal & Interest.
  • Interest Only
  • Additional Repayments
    Money IN - Allows you to make additional repayments without penalty.
  • Direct Debits
    Money IN - A direct debit is an automatic payment that is set up to repay your home loan. You specify the frequency and repayment amount as well as the bank or transaction account that the repayment is to be drawn from and this payment will occur automatically on the set due date.
  • Salary Credit
    Money IN - A manual payment to a loan account either via internet transfer or employee payroll transfer
  • Direct Credits
    Money IN - The ability for an external party to pay directly into a borrower's loan account
  • Deposit Card
    Money IN - A card used at the post office to deposit your repayments (they can be your normal repayments that are due or additional repayments)
  • Bpay In
    Money IN - The ability to pay your loan via a unique biller code from another financial institution
  • Capitalising of Interest
  • Line of Credit
Loan Purpose
  • Purchase
    Where you are buying a property
  • Refinance
    Where you are looking to move your current loan from one lender to another
  • Debt Consolidation
    Where you are looking to move multiple loans into one loan
  • Construction
    Where you are building a new property
  • Vacant Land
  • Equity Release
    Where you are looking to release cash from equity you have built up in your property
  • Business Purpose
  • 100% Offset Facility
    A non-interest earning account where 100% of the balance is offset against the home loan to reduce the total interest payable.
  • Redraw Facility
    Money OUT - If you have made any lump sum or additional principal repayments to your loan account in excess of the standard repayment amount, you can access or draw back those extra repayments.
  • No Monthly Fees
  • No Package Fee (excluding Stretch Feature)
    No fee to pay each & every year.
  • No Rate Lock Fee
  • Stretch Package Feature
    The ability to include a credit card facility at home loan rates into your home loan facility
  • Low Deposit Option
  • Toggle Feature
    An innovative new loan feature that allows you to maximise your interest savings through and intelligent offset Toggle system
  • Relocation Feature
    The ability to purchase you next home prior to you selling your current property
  • Repayment Sweep of Credit Card
    Money OUT - Allows your loan to automatically clear your credit card linked to this loan back to zero each month.
  • Internet Access
    The access via the internet to view & administer your home loan.
  • Phone Access
    The access via the phone to administer your home loan.
  • ATM / EFTPOS Debit Card
    Money OUT - An ATM card is included on this loan in order for you to withdraw cash or make purchases for living purposes.
  • 3rd Party Direct Debits
    Money OUT - You can pass your loan account number & BSB to another financial institution in order to take money periodically from your home loan account.
  • Repayment Required
    Each repayment cycle (normally monthly) a repayment must be made, regardless if you have redraw available in the loan account.
  • Cheque Book
  • LMI Premium Capitalisation
    The ability to capitalise the Lenders Mortgage Insurance premium on top of your required loan amount
  • 3rd Party Protocol Friendly
    Money IN and Money OUT - A payment made to a loan account or an amount taken from a loan account either via internet transfer, employee payroll transfer or by an external party
  • Loan Switching
    You can switch you loans variable interest rate to a fixed interest rate (subject to the terms and conditions of your loan)
  • Up to 40 Year Loan Term
  • Up to 30 Year Loan Term
  • Up to 25 Year Loan Term
  • SMSF Loans
  • Deposit Bond
    A deposit bond acts as a substitute for the cash deposit in between signing a contract and settlement and can be issued for all or part of the deposit amount required, up to 10% of the purchase price. At settlement, the purchaser is required to pay the full purchase price including the deposit.
  • NRAS Option
  • Bpay Out
    Money OUT - The ability to pay your loan via a unique biller code to another financial institution
  • No LMI Premium Payable By Borrower
  • Mortgage Insurance not Required
  • Loan Portability
    A feature that enables a home loan to be transferred from one property to another, without refinancing. It can be of benefit by savings on loan set-up fees and government loan security duty.
  • Monthly Fee
  • Package Fee
    No package fee
  • Rate Lock Fee
    No rate lock fee
  • Application Fee
    No application fee
  • Valuation Fee
    Up to $300 free^
  • Settlement Fee
  • Discharge Fee
^Mortgage House will pay up to $300 per property, any excess valuation fees are payable by the borrower(s)
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What interest rate options do I have for investment loans?

Just like owner-occupier mortgages, there are two main types of interest rate options for investment loans – variable and fixed rates. Variable rates can change over the life of your loan, up or down, depending on a number of external and internal factors, such as the Reserve Bank’s official cash rate determinations. Fixed rates are what they sound like they will be. Interest rates are fixed at a set rate over an agreed term. Most banks and lenders will offer fixed rate mortgages for terms of between 1 and 10 years. Investment loans will usually be offered for a shorter period than owner-occupied mortgages, with a slightly higher interest rate. At the end of the agreed term, a fixed rate loan, such as our 2 Years Fixed Investment Mortgage, will revert to a standard variable loan unless another fixed term is negotiated. As one of Australia’s largest independently owned non-bank lender, we strive to provide loan, product and service outcomes tailored to the exact needs of every client.

What are the key benefits of fixed investment mortgages?

For a lot of people, the security of having fixed repayments is important. Fixed investment loans such as our 2 Years Fixed Investment Mortgage can provide the assurance of knowing exactly what your repayments will be each month or fortnight. When you combine that with the security of a regular rental income, budgeting can become simpler. Fixed term mortgages such as our 2 Years Fixed Investment Mortgage mean your repayments will not be subject to external influences such as national or international economic conditions, over the agreed term. And if economic conditions are volatile, fixed mortgages can offer that little extra bit of security. To find out how much your repayments may be, check out our repayment calculator on the top of this page. While it is only a guide, it can give you a good indication of how an investment loan could fit in with your budget.

2 year fixed mortgage rates

Is buying an investment property worthwhile?

Buying an investment property can be quite lucrative. Not only can you immediately begin receiving rental income, but your investment can increase in value each year. Real estate is also something you can see and control, unlike the share market. And property can also be less volatile. Positive and negative gearing are two other areas where investing in property can be a real win-win. Positive gearing means the income your investment property is generating is higher than the expenses. While there can be some tax implications from positive gearing, it is proof your investment is working well, and has a positive effect on your cash flow. Negative gearing is the opposite, where the cost of owning your investment property, including any mortgages you are servicing, is higher than the amount of income you are generating from it. While that might seem like bad news, you can claim tax benefits with negative gearing, which can be beneficial if you are in a high income tax bracket.

How do I compare fixed rate mortgages and all their features?

Being able to compare mortgages easily is a great luxury in the modern age. At Mortgage House, comparing mortgages means more than just lining up interest rates alongside each other. We want to give you as much information as possible when choosing from our mortgages, so you can see how well our 2 Years Fixed Investment Mortgage stacks up against other loans we can offer. To compare up to five loans at a time, click here and follow the prompts. Not only will you be able to compare interest rates, but you can compare features, repayment options, loan purposes and even any fees and charges. This very handy resource allows you to size each loan up directly, and is part of a suite of services that is part of our commitment to provide a level of customer service simply unheard of in the industry.

What are the other features of this investment property loan?

Our 2 Years Fixed Investment Mortgage includes key features that can make it attractive to a range of property investors. One of those features is a 100% offset facility, which allows you to link a non-interest earning account to the loan. The amount that is in this account is then offset against your mortgage to reduce the amount of interest payable. Having access to a redraw facility is also an attractive feature of our 2 Years Fixed Investment Mortgage. This allows you to access, or draw back, any lump sums or additional principal repayments you have made in excess of the standard repayment amount, if you need to. This also means you can make additional payments to our 2 Years Fixed Investment Mortgage and not be penalised.

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