Investment home loan rates

Use our below tool to compare thousands of home loans. Simply modify the search to ‘buying an investment property’ and we will show you competitive investment home loan rates available through our panel of lenders.

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First Home Buyers Special 2 Year Choice Fixed Rate OO P&I
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First Home Buyers Special 2 Year Choice Fixed Rate OO P&I
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  • $9,999
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  • Monthly payment
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  • Redraw
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  • Application fee applies
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What is an investment interest rate?

An investment interest rate applies to all home loans that are secured by an investment property. Investment interest rates may be higher than owner occupied home loans as investors can have a higher perceived risk than borrowers who plan to live in their property. 

What is the current interest rate for a loan?

Updated as of 08 June 2021 

The current interest rate for an investment home loan can vary depending on the type of loan that is best suited for your situation. As per our home loan comparison tool above, the lowest current interest rate as of the 3rd of May 2021 for an investment loan is 2.19% p.a* with a comparison rate of 3.07%p.a#

Speak to your local broker to get a further understanding on the current interest rates for investment loans and to find the right type of home loan for you.  

Your local Mortgage Choice expert

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How much deposit do I need for an investment property loan?

Like with owner occupied home loans, for an investment loan you will ideally need a deposit of 20%. If you have a deposit of under 20% then you may still be eligible for an investment loan, however, you may be required to pay Lenders’ Mortgage Insurance (LMI)

Read more about what types of funds count towards your deposit here.


Unlocking equity to invest

If you’ve owned your home for a few years, there’s a good chance you’ve built up some reasonable equity, and this can be a valuable resource when it comes to property investment.

We can help you to find out how much equity you have in your home, and how you might be able to use it to own an investment property sooner. Watch this quick video to find out more and find out how much you can borrow and the costs involved with our free home loan quote.

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Property investor guide

Our free, downloadable guide explains the costs and steps associated with the purchase of an investment property, positive/negative gearing as well as pros and cons of houses vs. units.


Download now