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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, 17th Jan 2022

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resulted from previous government policy, which was aimed at slowing down property investors, although this policy is no longer current, the pricing variance has remained.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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jack smith

I can’t speak highly enough about Peter at Get a Better Rate. He is very knowledgeable and reliable, would seriously recommend!!
Connor O
Connor O'Meara

Peter came highly recommended by a friend. We found him to be extremely professional, excellent and prompt with communication and patient with our many first home buyer stupid questions. A lot of hand holding, but he was always happy to help. Thanks for your help.
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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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Adwar Alkhamesi

Peter has been an outstanding broker from the outset of the matter all the way to settlement. He explains everything very clearly and provides an excellent service by offering the best loan to suit your personal circumstances. He is always very attentive, knowledgeable about the entire process and provides regular updates to alleviate any stress. Even when I hassle him with emails and phone calls, he somehow always manages to respond within 24 hours. Highly recommend his services to anyone looking to get a loan and will definitely be using him again in the future!

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