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Investment Home Loans

Purchasing an investment property is always a large investment, to support your strategy you also need the right home loan



Today's Lowest Investment Home Loan Interest Rates

Last updated 6:00am, 28th Sep 2021

Investment Home Loans

Whether you are purchasing your first investment property or possibility adding to your portfolio, it is always important to have the right home loan for your strategy.

Your investment strategy will be different from your friend, family member or neighbour. As such it is recommended to speak with your accountant or financial planner to develop your own plan.

Your investment loan priority may be finding the cheapest loan, to minimise your costs. Maximising your borrowing capacity with a particular lender, requiring interest only repayments or maybe you require an offset feature.

With over forty different Australian lenders on our panel, our mortgage brokers can help you locate a suitable investment home loan for your strategy.

Investment Loans FAQ

Are investment loans different?

All loans provide the same primary function, although rates, fees, features and other aspects will be different. A mortgage broker will help you identify the loans and lenders which might be suitable for your situation.

Why are investment loans more expensive?

In most cases investment loan interest rates are higher than those of owner-occupied home loans. This resulted from previous government policy, which was aimed at slowing down property investors, although this policy is no longer current, the pricing variance has remained.

Can I just apply for a standard home loan?

Lenders review the purpose of the loan and the intended usage of the security property. If it is evident that the loan is being used for a investment or income producing purpose, lenders will automatically classify the loan as investment.

What happens if I move into my investment property?

Should you start residing in your investment property, let your lenders know straight away. Not only do they need to update your mailing address; they will likely reduce your interest rate to reflect the change in loan purpose.

If you are not happy with your interest rate, get in touch with us and we can help you review your current home loan.

Should I fix my investment loan?

Where or not to fix your loan is a personal choice and should be based on your needs and circumstance. Speak with your bank or mortgage broker to understand the benefits and limitations of fixed your loan.

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Customer Reviews

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Lisa Tran

It was a pleasure meeting Peter and have him guide us through what needed to be done for our home loan. He was responsive and knowledgeable, provided the best advice for us and was able to answer any queries thrown at him.
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Aaron Carrasco

Peter and his Team were able to seamlessly make a difficult task; easy. They are meticulous in their workings and the processes they provide allowed the lending process to be straightforward.
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Holly Creenaune

Peter was a huge help, highly responsive, a good problem solver, and an excellent communicator.
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Christopher Busuttil

Great Experience with Get a Better Rate . If we could give more than 5 star to our broker Peter Hammond we would cause he deserves it. He's been so helpful and patient to us from the start up to this point of our loan. He's very professional and passionate with his job. Very reliable and easy to communicate as you can contact him at anytime and response as soon as he can.. Most of all for a first timer like us it would have been so hard for us to understand how things works but he manage to explain everything in a professional and yet understandable and the easiest way. Without his guidance we wouldn't make this experience as easy and enjoyable as it is.. Glad we have him in this journey of our loan.. Thank you Peter..

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