Wealth Maximizer

Investment Fixed Rates from

6.69% p.a. Fixed

6.61% p.a. Comparison*

Borrow up to 80% LVR
Optional 100% offset
Additional repayments up to $20k p.a. during fixed term
Interest Only available

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Fix your investment loan rate for 1-5 years

Secure your investment loan repayments by fixing the rate for 1 to 5 years.

Having a fixed rate home loan means your repayments won’t change during the fixed term you choose.

Our Wealth Maximizer fixed investment loans offer heaps of features including an optional 100% offset, up to $20k extra repayments and redraw per annum during the fixed term, and optional interest only repayments. Make your investment count on the Wealth Maximizer.

Receive $2,000 up to $10,000 cash back!

Loans over $250,000 are eligible for a minimum of $2,000 cash back!

See below for cash back terms and conditions.

Cash Back T's and C's

Loan Amount	Cash Bonus
$250,000 - $499,999.99	$2,000
$500,000 - $749,999.99	$3,000
$750,000 - $1,999,999.99	$5,000
$2,000,000 +	$10,000

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Select your preferred fixed term

6.69%p.a.

1 Year Fixed Rate

6.61%*p.a.

Comparison Rate

Loan Specifications

THE BASICS
Rate	6.69% p.a. Fixed 6.61%* p.a. Comparison
Purpose	Investment
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250,000
Maximum Amount	≤ 65% LVR $5,000,000 ≤ 70% LVR $4,500,000 ≤ 75% LVR $4,000,000 ≤ 80% LVR $3,500,000 ≤ 90% LVR $1,000,000 Max loan amount may vary depending on the loan purpose, postcode, and other factors Refer to your Reduce Finance Manager for loan amount policy
LVR	Up to 80% Add TBA% over 80 - 90%
Loan Term	Up to 30 years
Rate Options	Fixed Reverts to variable after fixed period
Available for Construction	No
FEATURES
Multiple Accounts	Optional 100% offset account available at $10/month Loan splits available
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest. Add 0.95% to rate for Interest Only
Frequency	Via Direct Debit - Weekly, Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Extra repayments may be made at any time without penalty Maximum $20,000 per year during fixed period
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At cost Estimate $250
Third Party Legal Fees	At cost Unascertainable estimate $50 - $330 Does not cover government charges, funder's contract settlement fee & PEXA fee
Annual Fee	$0
Monthly Fee	$0 Optional offset account is $10/month
Settlement Fee	$0

6.69%p.a.

2 Years Fixed Rate

6.62%*p.a.

Comparison Rate

Loan Specifications

THE BASICS
Rate	6.69% p.a. Fixed 6.62%* p.a. Comparison
Purpose	Investment
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250,000
Maximum Amount	≤ 65% LVR $5,000,000 ≤ 70% LVR $4,500,000 ≤ 75% LVR $4,000,000 ≤ 80% LVR $3,500,000 ≤ 90% LVR $1,000,000 Max loan amount may vary depending on the loan purpose, postcode, and other factors Refer to your Reduce Finance Manager for loan amount policy
LVR	Up to 80% Add TBA% over 80 - 90%
Loan Term	Up to 30 years
Rate Options	Fixed Reverts to variable after fixed period
Available for Construction	No
FEATURES
Multiple Accounts	Optional 100% offset account available at $10/month Loan splits available
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest. Add 1.00% to rate for Interest Only
Frequency	Via Direct Debit - Weekly, Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Extra repayments may be made at any time without penalty Maximum $20,000 per year during fixed period
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At cost Estimate $250
Third Party Legal Fees	At cost Unascertainable estimate $50 - $330 Does not cover government charges, funder's contract settlement fee & PEXA fee
Annual Fee	$0
Monthly Fee	$0 Optional offset account is $10/month
Settlement Fee	$0

6.74%p.a.

3 Years Fixed Rate

6.64%*p.a.

Comparison Rate

Loan Specifications

THE BASICS
Rate	6.74% p.a. Fixed 6.64%* p.a. Comparison
Purpose	Investment
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250,000
Maximum Amount	≤ 65% LVR $5,000,000 ≤ 70% LVR $4,500,000 ≤ 75% LVR $4,000,000 ≤ 80% LVR $3,500,000 ≤ 90% LVR $1,000,000 Max loan amount may vary depending on the loan purpose, postcode, and other factors Refer to your Reduce Finance Manager for loan amount policy
LVR	Up to 80% Add TBA% over 80 - 90%
Loan Term	Up to 30 years
Rate Options	Fixed Reverts to variable after fixed period
Available for Construction	No
FEATURES
Multiple Accounts	Optional 100% offset account available at $10/month Loan splits available
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest Add 0.20% for IO
Frequency	Via Direct Debit - Weekly, Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Extra repayments may be made at any time without penalty Maximum $20,000 per year during fixed period
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At cost Estimate $250
Third Party Legal Fees	At cost Unascertainable estimate $50 - $330 Does not cover government charges, funder's contract settlement fee & PEXA fee
Annual Fee	$0
Monthly Fee	$0 Optional offset account is $10/month
Settlement Fee	$0

6.84%p.a.

4 Years Fixed Rate

6.68%*p.a.

Comparison Rate

Loan Specifications

THE BASICS
Rate	6.84% p.a. Fixed 6.68%* p.a. Comparison
Purpose	Investment
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250,000
Maximum Amount	≤ 65% LVR $5,000,000 ≤ 70% LVR $4,500,000 ≤ 75% LVR $4,000,000 ≤ 80% LVR $3,500,000 ≤ 90% LVR $1,000,000 Max loan amount may vary depending on the loan purpose, postcode, and other factors Refer to your Reduce Finance Manager for loan amount policy
LVR	Up to 80% Add TBA% over 80 - 90%
Loan Term	Up to 30 years
Rate Options	Fixed Reverts to variable after fixed period
Available for Construction	No
FEATURES
Multiple Accounts	Optional 100% offset account available at $10/month Loan splits available
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest Add 0.20% for Interest Only
Frequency	Via Direct Debit - Weekly, Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Extra repayments may be made at any time without penalty Maximum $20,000 per year during fixed period
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At cost Estimate $250
Third Party Legal Fees	At cost Unascertainable estimate $50 - $330 Does not cover government charges, funder's contract settlement fee & PEXA fee
Annual Fee	$0
Monthly Fee	$0 Optional offset account is $10/month
Settlement Fee	$0

6.84%p.a.

5 Years Fixed Rate

6.69%*p.a.

Comparison Rate

Loan Specifications

THE BASICS
Rate	6.84% p.a. Fixed 6.69%* p.a. Comparison
Purpose	Investment
Eligibility	Personal Company Unit Discretionary Trust
Minimum Amount	$250,000
Maximum Amount	≤ 65% LVR $5,000,000 ≤ 70% LVR $4,500,000 ≤ 75% LVR $4,000,000 ≤ 80% LVR $3,500,000 ≤ 90% LVR $1,000,000 Max loan amount may vary depending on the loan purpose, postcode, and other factors Refer to your Reduce Finance Manager for loan amount policy
LVR	Up to 80% Add TBA% over 80 - 90%
Loan Term	Up to 30 years
Rate Options	Fixed Reverts to variable after fixed period
Available for Construction	No
FEATURES
Multiple Accounts	Optional 100% offset account available at $10/month Loan splits available
Redraw Facility	Yes. No minimum via electronic transfer
Account Access	Internet & Phone transfer access to nominated account
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest Add 0.20% for IO
Frequency	Via Direct Debit - Weekly, Fortnightly or Monthly
Methods	Direct Debit Salary Credit
Additional Repayments	Extra repayments may be made at any time without penalty Maximum $20,000 per year during fixed period
FEES
Application Fee	$440
Establishment Fee	$0
Third Party Valuation Fee	At cost Estimate $250
Third Party Legal Fees	At cost Unascertainable estimate $50 - $330 Does not cover government charges, funder's contract settlement fee & PEXA fee
Annual Fee	$0
Monthly Fee	$0 Optional offset account is $10/month
Settlement Fee	$0