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What's your strategy?

Before you dive right in with your cheque-book at the ready, take the time to consider whether property is the right investment strategy for you. Weigh up the pros and cons of investment property ownership.

Sure, property provides you with a physical asset, can pay for itself through rent, and is able to provide tax benefits through gearing.

At the same time, consider the risks involved, such as rental income not meeting your requirements, depreciation in value, and the length of time it can take to find tenants and sell-up.

Getting the right loan

See the lending experts

It’s worth your while finding a lender with your best interests at heart. Greater Bank has a range of loans which will allow you to choose from principal and interest or interest-only repayment options.

Compare our Investment Home Loans

Range of convenient features

With a range of loan features that will help you maximise the potential in your property, including loan offset and deposit bonds, you’ll see why we’ve developed a reputation as experts when it comes to helping our customers buy property.

Learn more about Home Deposit Guarantees

Compare Investment Home Loans

Our handy Home Loan Comparison Calculator lets you punch in a few simple details and see how our range of Investment Home Loans measure up.

Use our Home Loan Comparison Calculator

Find the right property

Once you’ve made the right choice for your finance, you can move on to the fun part – choosing your investment property. Keep in mind – you’re not buying for you, so you should try to adopt the mindset of your potential tenant.

Will you buy a house, unit, townhouse, retirement villa? Are you willing to buy cheap and renovate, or do you want the finished product?

Consider things such as proximity to public transport, schools, shopping centres and major new developments, and keep in mind, if there are already multiple properties for rent nearby, the competition will be more intense.

Cover your asset

Once you’ve taken the plunge and secured the perfect place to suit your intended tenant, you should think about getting the right protection so your new asset remains just that.

Greater Bank has partnered with one of Australia’s leading insurers in Allianz to provide our customers with Landlord Insurance, which can be tailored to suit your needs and will provide peace of mind that both property and rental income are protected.

Get a quote Landlord Insurance

Rent it out

One more decision to make before you pop the champagne. In trying to find the perfect tenant, you have the option of renting your property privately or through an estate agent.

Renting privately means you have the chance to know your tenant and collect 100% of the rent, but you’ll be forced to manage the property yourself. Going with an agent allows them to act as a property manager but at a cost. Most estate agents charge around 10% of the rental income.

After you make your decision, all that’s left is for you to congratulate your new tenants and welcome them home.

Compare Home Loans

Compare 5 products
Featured rate
Great Rate Home Loan
Our simple, low rate loan that’s perfect if you’re after great value and no ongoing fees. Our Great Rate loan lives up to its name and offers flexible repayment and loan term options.
Ultimate Home Loan
Our ultimate in loans. Our Ultimate Home Loan offers the flexibility of fixed or variable rate, or a mixture of both. What's more, it features a linked offset account and free redraw available around the clock via online banking.
Line of Credit
Our Line of Credit helps you make the most of the equity in your home. Great if you’re thinking about renovating, investing, or just want more flexibility.
Ultimate Investment Home Loan
Our Ultimate Investment loan combines great value with a range of extra products designed to make investing easier.
Great Rate Investment Home Loan
With low-interest rates and no monthly or annual fees, we've made investment simple.
Interest rate 1.59 %# p.a.
Comparison rate 2.10 %^ p.a.
~2 year fixed discounted revert rate, owner occupied, principal and interest
Interest Rate 1.59 %# p.a.
Comparison rate 2.99 %^ p.a.
~2 year fixed discounted revert rate, owner occupied, principal and interest
Interest rate 3.90 % p.a.
Ultimate Line of Credit home loan base rate
Interest rate 1.89 %# p.a.
Comparison rate 3.14 %^ p.a.
~1 year fixed discounted revert rate, principal and interest
Interest rate 1.99 %# p.a.
Comparison rate 2.25 %^ p.a.
~2 year fixed discounted revert rate, principal and interest
Key Features
Great if you want a low-rate no-frills home loan.
Key Features
Great if you want a packaged home loan with a low rate and added benefits.
Key Features
Great if you want a continuous credit facility to access the equity in your home.
Key Features
Great if you want a great value packaged loan to invest in property.
Key Features
Great if you want a simple, no-nonsense investment loan with competitive rates.
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$395 p.a. Package fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20%-25% dependent on security taken
Maximum loan term
N/A
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$10 per month
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Yes. Available once loan reverts to a variable interest rate.
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
$395 p.a. Package fee
Interest only available
Fixed rates available
Minimum deposit required (without requiring mortgage insurance or a Family Pledge)
20% of purchase price (plus costs)
Maximum loan term
30 years
Parental guarantee available
Property location
NSW, ACT & QLD
Multiple offset accounts
Free redraw online
Additional repayments
Split loan option
Can be used for land & construction (variable rates only)
Can be used for refinance
Fast refi
Available if self employed
Repayment holiday
Ongoing fee
Enquire now Enquire now Great Rate Home Loan Enquire now Enquire now Ultimate Home Loan Enquire now Enquire now Line of Credit Enquire now Enquire now Ultimate Investment Loan Enquire now Enquire now Great Rate Investment Loan

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Conditions, fees and charges apply to all loans. Subject to meeting Greater Bank's lending criteria. Greater Bank Limited ABN 88 087 651 956. AFSL/Australian credit licence No. 237476.

~At the end of the fixed rate period customers can chose to re-fix their loan for another fixed rate period or let the loan revert to the applicable variable interest rate based on the loan and repayment type.

^Comparison rate is based on $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

#Discounted rates include a discount on Home Loans of $150,000 or over and for owner occupied Home Loans with an LVR 90% or below and for investment Home Loan with an LVR 80% or below and apply to new borrowings only. Discounted rate not available for Line of Credit facilities.

+Additional costs may apply if your loan has a fixed rate.

All new interest-only home loans, attract a 0.10% p.a. margin above the applicable Principal and Interest base rate. All new Line of Credit home loans, attract a 0.10% p.a. margin above the applicable Line of Credit base rate. The all-up interest rate which includes any margins, will be set out in your credit contract. View our Terms and Conditions.