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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, 7th Jul 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resulted from previous government policy, which was aimed at slowing down property investors, although this policy is no longer current, the pricing variance has remained.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

Allison Hall profile pic
Allison Hall

Peter at Get a Better Rate was fantastic. Through out our loan process, he was happy to answer any questions we had and always got back to us so quickly. His knowledge about mortgages was outstanding and therefore, he was able to get our loan processed in a fast and efficient manner. I have already recommended Peter to friends who needed assistance with their mortgages and would recommend Peter to anyone for their mortgage needs.
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Mitchell Meldrum

We recently refinanced with 'Get a better rate', Peter was professional, efficient and provided an exceptional amount of support and knowledge. I highly recommend Peter for anyone looking at refinancing or obtaining a loan for the first time.
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Neda Molavi

Professionalism and knowledge pared with patience and support. For a person like myself with no experience, Peter was there for each and every step, went above and beyond to provide help and support, nothing was delayed due to flawless management of the process. All questions are answered and responses come very quick. I believe Peter is a broker who genuinely cares about the client. Thanks for helping me buying my dream house.
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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