Investor Advantage
 Investor Advantage has been tailored to complement and enhance the requirements of borrowers who are embarking on an investment and wealth creation strategy.
Under this simple, yet sophisticated loan facility, borrowers are able to structure their home, personal and investment loans into a single facility with an overall Credit Limit.
This can then be split into sub-accounts based on loan purpose, tax accountability, accounting preference and / or a desired mix of loan features.
At a glance Borrowers will be able to see their overall financial position and will be well placed to take advantage of future opportunities as the value of their equity increases.
And with the Global Redraw Limit facility feature, borrowers are able to redraw any available funds from the variable rate sub-account of their choice. So, for example, extra repayments made to their home loan sub-account can be redrawn from an investment sub-account (for investment purposes) without the need to effect limit changes or contract variations as is the case with most lenders.
Adding a LinkLoan MasterCard (with 0% interest on purchases an cash advances) completes the picture and provides even greater flexibility.
Benefits of Investor Advantage
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Empowers borrowers to take control of their finances
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Enables quick access to equity to take advantage of investment opportunities as they arise
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Facilitates accounting with separate statements issued for each sub-account. Borrowers are able to name sub-accounts as required.
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Product Features at a Glance
Minimum Loan Amount
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$100,000 |
Maximum Loan Amount
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$1,500,000
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| Maximum LVR |
85%
On Owner Occupied & 85% LVR for investment purchases P & I Account Only
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| Loan Terms up to |
30 years
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| Interest Only up to |
10 years
(interest is calculated daily and charged to the account monthly in arrears)
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Fixed Rate options
for up to 5 years
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Up to 99 sub-accounts available
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Online (LinkLoan) Account Management System
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Direct Debit
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Direct Electronic Crediting
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Ability to switch between
variable and fixed interest rates (fees apply)
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Unrestricted additional
repayments
(Fixed Rate accounts -
additional payments in excess of $100 p.m. will incur a break cost penalty)
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Flexible repayment options
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Loan is portable to another security property
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Sub-accounts can include Lines of Credit (LOC)
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If you are on a wealth creation path then consider the convenience and benefits of Investor Advantage - a sophisticated loan that is simple to manage.
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