Investment property loans

Finance your next investment with confidence – BNK’s investment property loans are designed to help you grow your property portfolio efficiently.

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Overview

BNK’s investment property loans offer tailored financing solutions for individuals and investors looking to purchase or refinance residential properties. With competitive rates, flexible terms, and expert support, we help you maximise your investment opportunities.

Whether you’re a first-time investor or expanding a portfolio, you can benefit from a streamlined application process and a trusted banking partner dedicated to your financial success.

Features

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Competitive interest rates

Designed to optimise your investment returns.
Flexible Terms

Flexible loan terms and repayment options

Tailor your loan with repayment options that work for you.
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Option to have a 100% offset account

Reduce interest on your home loan with a 100% offset account.
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Access to pre-approval and fast processing

Secure your investment opportunities quickly.
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Expert lending advice

Tailored guidance from a team experienced in property investment finance.
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Backed by an APRA-regulated bank

Security and reliability from a trusted Australian institution.

Grow your property portfolio

Whether you’re ready to apply or just exploring your options, our team is here to help.
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Helpful information

Terms and conditions

Terms and conditions that apply to our loan products, including details on eligibility, fees, and repayments.
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Serviceability calculators

Use our calculators to estimate how much you may be able to borrow and what your repayments could look like.
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Credit guide

Find out what’s included in our Credit Guide and how it helps you understand our lending process.
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Frequently asked questions

How often can I make repayments?

Repayments can be made weekly, fortnightly or monthly. Additional payments can be made through internet banking for all of our loans, just make a transfer to your loan account. We currently do not offer fixed rate loans.

How often will I receive a statement?

We provide statements of account at least once every six months or monthly if you have a offset account. You can however view transactions at any time on the internet if you sign up for internet banking.

Am I eligible to apply for a loan?

You can apply if you’re 18 or older, not currently bankrupt or insolvent, and either an Australian citizen or a permanent resident of Australia.

Some of our loan products are also available to companies and trusts – in those cases the applicant must be the company director or the trustee (and the director/trustee must also meet the eligibility criteria above).

All applications are subject to credit approval and our lending criteria.

How is interest calculated?

Interest is calculated by applying the interest rate to the unpaid balance owing to us at the end of each day.

Is my property suitable security for a home loan?

All properties to be used as security have to be assessed to see if they meet our lending criteria.

Things you should know

Applications are subject to credit approval and Loan Terms and Conditions which are available here.

References to “LVR” mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Comparison Rates provided include the interest rate and most standard fees and charges that must be paid over the life of the loan and  are calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This 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.

Information provided is general only and does not take into account your personal objectives, financial situation, or needs. Any rates advertised are current as at the date indicated and are subject to change. Eligibility criteria, fees, and charges may apply. You should seek independent advice and read the relevant terms and conditions and product documents.