Fast track your returns with

$3,000 cashback*

on all investment home loans

Rates from

interest rate

comparison rate^

We are proud to have served the Defence Community for more than 60 years however, anyone is welcome to become a member at Australian Military Bank. We offer our members lifetime membership during which you can benefit from our great range of products and services.

Apply Online

in less than 15 minutes

Investment Loans

with up to 90% lend of property value

Save Interest

with an Offset Account

Investment Home Loans

Great rates and great flexibility

Investment Value Home Loan

Ratesaver Investment Home Loan

Principal and interest repayments

Principal and interest repayments

100% Offset available

Low variable interest rate

Split Option
with other Australian 
Military Bank home loans

Redraw available

$0 ongoing fees

Borrow up to 90%
of the property value

Available for new investment home loan applications completed between 24 March 2025 and 30 June 2025

Available for new investment home loan applications completed between 24 March 2025 and 30 June 2025

$3,000

Cashback*

$3,000

Cashback*

interest rate

comparison rate^

interest rate

comparison rate^

"Thanks to the staff in the Direct Contact Centre, you have made the loan process fun and easy. You're the reason that I keep banking with Australian Military Bank."

Craig, WA - member since 2001

Here's what you'll need to apply

Facts and Fees
Ratesaver Investment Home Loan Investment Home Loan
Monthly fee $0 $0
Annual fee $0 $0
Minimum Loan Value $150,000 $150,000
Maximum Loan Term 30 years 30 years
Lenders Mortgage Insurance (LMI) Payable for loans with a deposit of less than 20%
3rd party charges Stamp duty, legal fees and valuation fees apply
Additional fees may be payable. For more information please see our Schedule of Fees and Charges.

A bank statement showing your everyday transactions over the last three (3) months.

Your latest payslip.

For online applications you'll need two forms of ID (ie Driver's Licence, Passport or Medicare Card)

Start your application here

Please tell us as much as you can about your needs

By submitting this form, I acknowledge that I have read Australian Military Bank’s Privacy Collection Notice and understand Australian Military Bank may use my personal information as outlined in the notice.

We will not conduct a credit check before we talk to you.

Applications are subject to the banks normal lending criteria. Fees charges and lending criteria apply and will be included with our loan offer. A Financial Services Guide (FSG) is available at all Branches, on our website and upon request. For more information on interest only comparison rates, please contact the bank.

By submitting this application, you acknowledge and agree that Australian Military Bank may collect and use your personal information, and may contact you, for the purposes of assisting you with a home loan application. Our Privacy Policy tells you how we use your information, what credit reporting bodies we use and how to access your credit information. Please view our Privacy Policy here

Lending criteria, terms, conditions, fees and charges apply.


Interest rates are based on new investment home loans for $150,000 or more with a minimum deposit of 40% for RateSaver and Value loans when making monthly principal & interest repayments. Rates are available for new loan applications, include a discount to the applicable reference rate and subject to change. Lenders Mortgage Insurance (LMI) is required when borrowing more than 80% loan to value ratio (LVR). Our LMI provider may require additional terms and conditions. The calculation of the maximum LVR includes the LMI premium (except for Construction Home Loan, where it’s exclusive of the LMI premium). During an Interest Only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan. 


^ Comparison rate based on a $150,000 secured loan over 25 years with monthly repayments. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees and loan amounts will result in a different comparison rate. 


* $3,000 cashback offer is available for all new investment home loans applications completed between 24 March 2025 and 30 June 2025, which are settled within 90 days of the initial application date. Offer available to investment home loan applications, including refinancing from another financial institution. Not available for owner occupier home loans or refinancing applications for an existing investment home loan already with us. 


Minimum loan amount is $250,000 and 90% maximum loan-to-value (LVR) ratio (including Lenders Mortgage Insurance, if applicable). Limit of one $3,000 cashback per application, regardless of the number of borrowers or loan accounts being opened. Cashback must be paid into an Australian Military Bank transaction account held in the name/s of the home loan borrower(s). Cashback payment will be made within 60 days of settlement provided you still hold the eligible loan. Not available in conjunction with any other offer. We reserve the right to vary or withdraw this offer at any time.


The information provided is general in nature only and does not take into account your individual needs, objectives or financial situation. Before making a decision if a product is right for you, please read the relevant product information, including the Credit Guide, Fees and Charges Schedule, Target Market Determination (TMD) and Key Facts Sheets.  

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Australian Military Bank Ltd ABN 48 087 649 741
AFSL and Australian Credit Licence Number 237 988.