BT Professional Investment Loan interest rates

BT offers both variable and fixed interest rates for BT Investment Loans.

Prepaying a fixed interest rate allows you to lock in interest rate certainty for up to a year and allows for easier cash flow management.

You need to ensure that you can fund your obligations under your loan and any interest on the loan (including the payment of any interest, fees and charges).

The interest paid may also be tax deductible depending on your personal circumstances and subject to the prepayment tax rules. Tax laws are complex and may change over time, possibly with retrospective application. You should consult a tax specialist or your financial adviser regarding the tax consequences of investing in a BT Professional Investment Loan.

Variable interest

Interest rates are reviewed monthly and are subject to change.
Rates below are effective 01 September 2016.

Variable interest rates
BT Professional Investment Loan 6.99%


Fixed interest (in advance)

Period BT Professional Investment Loan
12 months 6.49%
2 Years 6.64%
3 Years 6.79%
4 Years 6.94%
5 Years 7.09%
  • You may choose to pay fixed interest monthly in arrears for an additional 0.10%
  • The maximum period you may pre-pay is 12 months in advance.
  • Prepaid interest is not refundable.