Changes to investment lending

In 2015, many of Australia's lenders raised their interest rates for investors and the requirements became more complicated. Your local Mortgage Choice broker can help you to understand the changes and make the process easier.

What you need to know about investment lending

Government bodies have driven change

At the end of 2014, the Australian Prudential Regulation Authority (APRA) called on Australia's lenders to limit their level of investment activity. In response, many of Australia's lenders made some significant changes to their policy and pricing during 2015 in order to reduce their investment lending.

Investor interest rates have risen

Interest rates for many existing investors rose in 2015. If you haven't already taken action, now is an ideal time to talk to a Mortgage Choice broker to see if you could get a better deal.

There are still great deals out there

While interest rates for investor loans have increased, home loan rates in general are lower than they've been in decades. You can still find a great deal, and our wide choice of lenders makes the process easy.

Every lender has different rules

Each lender has different requirements in the area of investment lending. This means some lenders may require a higher minimum deposit. It's hard to know where to go to maximise your chances of having your investment loan approved. That's where we can help to explain your options.

A mortgage broker does all the legwork

Your local Mortgage Choice broker will compare hundreds of loan options from the lenders on our panel to find the right loan for you. So all you need to do is focus on maximising your investment returns.

Speak to the investment loan experts

Contact us now

Our panel of lenders

See the latest great deals from our panel of over 20 lenders, including the big four banks. Our online comparison tool lets you compare the rates and features of hundreds of loans.

Why choose Mortgage Choice?

Wide choice

We can compare hundreds of highly competitive investment property loan options from a wide choice of lenders, including the big four banks.

No cost to you

Our home loan service is no cost to you because the lenders pay us, so why not tap into our brokers’ expertise?

Less stress

Your Mortgage Choice broker does all the legwork and running around to get you the right investment property loan for you.


Appointments to fit your busy lifestyle, at the time and place that suits you.

Benefits of investing in property


Regular rental income

Unlike other investments like a term deposit or shares, property has the potential to deliver a return from day one.


Scarcity plus ongoing demand

By its nature, land is in limited supply and this helps to underpin long term growth in the value of residential real estate.


Tax Benefits

You are able to claim a tax deduction for a variety of expenses associated with owning a rental property.

Find out more


A diverse investment

Australia offers a diverse property market that offers choices between different states and territories; apartments versus houses; and regional or capital city locations.

Find the right investment property loan for you. Talk to us today.

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