5 property investment strategies
When investing in property you need to be clear with yourself on how you intend to make money from the investment. Here's 5 popular strategies.
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SMSF Fully Drawn Loan
Use your retirement savings as equity to purchase an investment property through your Self-Managed Super Fund with a Company Trustee.
Features
Purchase residential, commercial or rural investment property on commercial terms with our Self-Managed Super Fund Fully Drawn Loan. Features include:
- People first service from your own Business Banking Lending Specialist.
- Variable or fixed interest rate options.
- Preferred minimum loan amount $250,000.
- Loan terms up to 25 years with residential security and up to 15 years with commercial and rural security.
- Principal and interest repayments on all security types. Interest-only repayment option available for residential security only.
- Repayments are monthly in arrears.
Eligibility
- SMSF Trustee must be a Company and separate from the Property Trustee
- Property Trustee must be a Company and separate from the SMSF Trustee
- Maximum loan to valuation (LVR) ratio is 80% for residential property, 65% for commercial property and 50% for rural property
Rates
|
||
|---|---|---|
| Interest Rate | ||
| Variable - Residential Security | ||
| Variable - Non-residential Security | ||
| 1 Year Fixed - Residential Security | ||
| 1 Year Fixed - Non-residential Security | ||
| 2 Years Fixed - Residential Security | ||
| 2 Years Fixed - Non-residential Security | ||
| 3 Years Fixed - Residential Security | ||
| 3 Years Fixed -Non-residential Security | ||
| 4 Years Fixed - Residential Security | ||
| 4 Years Fixed - Non-residential Security | ||
| 5 Years Fixed - Residential Security | ||
| 5 Years Fixed - Non-residential Security | ||
Owner - Occupied
Investment
Interest Rate
4.99%
Interest Rate
5.29%
Interest Rate
4.84%
Interest Rate
5.54%
Interest Rate
4.74%
Interest Rate
5.60%
Interest Rate
4.85%
Interest Rate
5.60%
Interest Rate
4.85%
Interest Rate
5.60%
Interest Rate
5.04%
Interest Rate
5.60%
Rates Effective From 19/11/2020
|
||
|---|---|---|
| Interest Rate | ||
| Indicator Rate Residential Fully Drawn Loan | ||
| Indicator Rate Non-Residential Fully Drawn Loan | ||
Owner - Occupied
Investment
Interest Rate
3.59%
Interest Rate
4.54%
Rates Effective From 19/11/2020
Fees
| Monthly Fee | $20 |
| Application, legal and associated fees | Available upon application |
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