Fix & Save – 1 Year Fixed – Owner Occupied

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.

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.

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.

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.