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FlexiChoice is the bomb, if you want a residential investment loan. Pick from a variable rate or give yourself some peace of mind by fixing your rate for up to three years.

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Make an appointment 1300 306 716 Calculate Repayments

So what's good about FlexiChoice:

  • A standard variable rate.
  • Fixed rates from 1 to 3 years.
  • Make additional repayments without penalty.+
  • Bit short on cash and you're ahead on your loan repayments? Redraw your money for free.
  • You can manage your loan, the way you want to. Think monthly, fortnightly or weekly payment options.++
  • Peace of mind? Take out CGU Loan Protection Insurance.^
  • You can choose the option of Interest Only for up to 5 years.
  • Maybe you'd like fee-free banking? Open a Go to account to help manage your investment loan.*
The small, small print:

Bank of us terms and conditions, including fees and charges apply. Full details are available on application.

+ A Break Cost Fee may apply to fixed rate loans discharged in full or converted during a fixed rate period. The standard discharge fee applies to all loan types.

^Loan protection insurance is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU insurance. Bank of us acts under its own Australian Financial Services Licence and under agreement with the issuer, CGU.

++ Subject to satisfying the minimum monthly repayment commitment detailed in the loan contract.

We are ready to help. Call us for a chat today!

Standard interest rates

Effective 1 November 2017

Loan TypeFixed Rate (p.a.)Variable Rate (p.a.)Comparison Rate (p.a.)#
Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
-5.52%5.67%
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.69%-5.59%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

≤80%
4.79%-5.47%
Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
-5.52%5.67%
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
5.19%-5.59%
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
5.09%-5.49%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>80% ≤90%
5.29%-5.47%
Variable LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
-5.52%5.71%
1 year fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
5.29%-5.69%
2 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
5.19%-5.65%
3 years fixed LVR

Loan to Valuation Ratio (LVR)

This is the ratio between the amount borrowed to purchase a property and the valuation of the property. For example, if you are purchasing a property valued at $300,000 and have a $60,000 deposit, the amount you would need to borrow is $240,000, equating to an LVR of 80%.

>90%
5.39%-5.67%

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