Essentials Investment Loan
A competitive interest rate without being locked into a fixed rate for a set term. Offers you complete repayment flexibility and a full range of features.
- From (investment)
- 9.64%
- 9.69% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable The comparison rate is calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. Different amounts and terms will result in different Comparison Rates. | 9.64% | 9.69% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | |
| Redraw Fee (Online) | Transaction | |
| Redraw Fee (Over the Counter) | Transaction | |
| Transfer Fee Payable if the Customer asks the Bank to change the security property by releasing its security over some or all of the security property and taking security over different property, without any other amendments to the agreement. It does not include any solicitor costs or fees payable to a government registry to register a document. | Event | |
| Arrears Letter Fee | Event | |
| Progress Payment Fee Payable whenever the Customer requests a progress payment. It does not include any fee payable for inspections by a quantity surveyor. | Event | |
| Search Fee Per hour or part thereof - payable whenever the Customer (or a Guarantor) requests a copy of a document (other than a statement) connected to the Facility. It is calculated on the basis of the time that it takes the Bank’s staff to search for the document. |
Features
- Redraw facility
- Offset account
- • Minimum amount $50,000 • Maximum amount is 95% of the value of the property • Loan Mortgage Insurance (LMI) is required if amount borrowed is more than 80% of the value of the property • Variable interest rate. • Weekly, fortnightly or monthly repayments. • Redraw facility. • Ability to make extra repayments. • Automatic repayments. • Loan portability available. • 100% linked offset account available.
- Digital banking
- Loan Purpose: Investment.
- Repayment Type: Principal & Interest.
- Extra repayments
Eligibility
- • This loan is available to new and existing customers. • Available to applicants over the age of 18 years. • Applicant must meet the Bank’s Credit criteria. • Loan Mortgage Insurance (LMI) is required if amount borrowed is more than 80% of the value of the property. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check requirements.
Constraints
- Minimum limit — $50,000.00
More Information
Published by Arab Bank Australia Limited under the Consumer Data Right · Last updated 19 May 2026 · Product ID ESSINV01 · View on CDR.gov.au