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Low rates and fees

If you’re looking for a great investment loan rate and no monthly or set-up fees... you’ve found it.

All the options

Fixed or variable, principal and interest or interest-only. You choose.

Borrow up to 90%

Tiered rates mean you can enjoy lower rates, depending on the LVR.

Fast, simple approvals

Our team is here to help you get your investment loan sorted, quickly.

We’re invested in your investment loan

Investing your money in an investment property is one thing. But there’s a time investment too. As WA’s largest customer-owned bank, we have investment loan options to suit you, and local people on the ground (and in the right time zone), to help you minimise both.

Our loan specialists are just a phone or video call away. If you prefer, we can come to your home, your work or meet you at your nearest P&N Bank branch. Whatever works for you, works for us. 

Compare our investment property loans

& Investor Basic Loan

A no frills investment home loan with no ongoing monthly fees.

% p.a.
Variable rate
% p.a.
Comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)

& Investor Loan

A variable rate investment loan that comes with an optional offset account and no ongoing fees.

% p.a.
Variable rate
% p.a.
Comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)

Fixed Rate Home Loan

Fix your mortgage payments from 1 to 5 years.

% p.a.
2 year fixed rate
% p.a.
2 year comparison rate*
  • No ongoing monthly fees
  • Extra payments allowed
  • Redraw available
  • 100% offset available
  • Up to 90% LVR (including LMI)

Simplifying the path to investing

First, some due diligence

Consider your situation. Get some independent financial advice. Make sure investing in property is right for you.

Talk to our team

Once you’re sure buying or refinancing is the best option for you, set-up a phone, video or in-person appointment with one of loan specialists.

Apply for your loan

We’ll need your photo ID if you’re not already a P&N customer. Plus, some extra info such as what you earn, owe, own and spend.

Get your loan approval

You won’t have to wait long. We’ll assess your investment loan application and if we need anything more from you, we’ll get in touch.

Done and dusted

We’ll send your contract to you to sign, or you can do it at your nearest branch. Some of our branches are even open on Saturdays!

Choosing P&N pays off

Now you’re an investment property owner, turn your attention to your next goal. Maybe we can help with that too…

Compare loans and work out your repayments

Compare our investment property loans head-to-head to find the loan that’s right for you. And then, work out what your potential repayments might be using our handy home loan calculators.

Comparison calculator

Borrowing power calculator

More handy home loan information

How to prepare for the end of your fixed rate

Whether your fixed rate home loan will expire in six weeks or six months, we've put together some top tips to get ready for the change.

A guide to refinancing

We’ve highlighted some important things to consider when you decide to refinance and addressed some common questions we hear from homeowners.

How to finance your home renovations

See what options are for you that can help you complete your home renovations the way you want to, without having to DIY or skimp on the essentials.

Ready to apply?

Set up a phone, video or in-person appointment with an investment loan specialist.

We’re here to help

Drop us your details and an investment loan specialist will get back to you.

Talk to our friendly team

Got a question? Call us on 13 25 77, pop into your nearest branch or chat with us online.

Put our investor loan knowledge to the test

In many circumstances it's possible to use your home equity as a deposit on an investment property.

To speak with a lending specialist and discuss how much equity you can use to apply for an investment loan, please contact us on 13 25 77 or book an appointment online to speak to a Home loan specialist. 

Request an appointment

There are many tax implications to consider if you’re buying and maintaining an investment property. 

The income you receive from the property may be tax deductible, likewise for the costs of managing the property. Then there’s tax on any profit you make if you sell the property. 

Before doing anything we recommend that you speak to your accountant or a financial advisor, to understand if buying an investment property is right for you.

With an interest-only residential investment property loan you can benefit from lower loan repayments, which can be handy especially in the first few years of owning your property. It could give you a bit of breathing space and free up your finances. 

To speak with a lending specialist about your residential investment property loan options contact us on 13 25 77 or book an appointment online.

Important information

Banking and Credit products issued by Police & Nurses Limited (P&N Bank).

Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply. 

Please consider the terms and conditions and whether a product is right for you. 

*Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. For variable Interest Only loans, comparison rates are based on an initial 3 year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.