LOW RATE INVESTMENT HOME LOAN

Our low rate investment loans offer a sharp interest rate with smart features and no ongoing fees.

Model Capital Solutions sharpest investment loan interest rate

Our low rate investment loan is high on borrower benefits. From flexible repayments to redraw facility and free additional repayments.

  • No ongoing fees

  • Borrow up to $500,000

  • Rates from 6.59% p.a.# (6.67% p.a. comparison rate*)

Easy to understand features, variables and fees

Features

Maximum LVR - 95% ✅

Maximum loan amount - $1,000,000.00

Minimum loan amount - $100,000.00

Principal and interest ✅

Interest only ⊖

Free online redraw ✅

BPAY ✅

Third party account transfers ✅

100% offset facility ⊖

Additional repayments ✅

Repay weekly, fortnightly, monthly ✅

Professional investor### ✅

Split loans ⊖

Fixed rate options ⊖

Fees

Application fee^^ ✅

Valuation fee^^ ✅

Settlement fee ✅

Ongoing fee (annual) - ✅

Manual redraw fee ✅

Discharge fee ✅

Professional investor fee### ✅

Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please email us at info@modelcapitalsolutions.com for more details.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Model Capital Solutions is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in United States when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM overseas or in United States.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR restrictions.

###Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.

^Other fees and charges may apply. Contact us at info@modelcapitalsolutions.com for more information on fees and charges.

^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.

Frequently asked questions

  • Model Capital Solutions free-thinking home loans were designed with borrowers in mind. For those looking to invest, we have options that give you flexibility. We also take the time to understand your circumstances so we can help you find the best loan match for your goals. For support determining if our low rate investment loan is right for your investment goals, contact us today at info@modelcapitalsolutions.com to get a tailroed professional advise from one of our Model Capital Solutions Loan Adviser.

  • If you have solid financials and a good credit score, then the low rate investment loan could be for you. The best way to know however is to get in touch with a Model Capital Solutions Loan Adviser. They can look at your situation and help guide you to a loan solution that will best suit your needs.

    So, no matter your circumstances, Model Capital Solutions has solutions for free thinkers of all kinds.

  • Generally speaking, the larger your deposit the lower your interest rate. However, at Model Capital Solutions we understand that not all borrowers can pull together a large deposit. At Model Capital Solutions, we can help you find the solution that works for you. We have a range of home loans to help more free thinkers like you get financial and into a new home.

  • The main benefit of having a lower interest rate is to reduce the amount of interest you might pay over the life of the loan. However, there are other ways to help reduce the amount of interest payable, such as making extra repayments into your loan. When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. It may be that you need a loan that enables you to borrow a higher percentage of the purchase price, or a loan that will offer alternative ways to verify your income. Perhaps you require flexibility and features such as an offset facility to help make your additional cash reserves work for you. Ultimately, the best home loan for you is the loan that best suits your personal circumstances.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To fine out more about target market determination for available product offers. Please email us at info@modelcapitalsolutions.com for more details.

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