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Ready to buy your investment property

If you’re planning to purchase an investment property to rent out to tenants, no matter whether it’s your first investment property or your next, we can help.

At, we have a number of low rate investment loan options and with features, and a friendly and experienced team of lending specialists who are here to help you settle quickly, and make your experience as hassle free as possible.

Loans for buying an investment property

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Smart Investor
  • 2.99%
    variable rate p.a.^^
  • 3.01%
    comparison rate p.a.*

The Smart Investor will save you money on interest and fees to make it easy to buy an investment property.

Why buy an investment property with is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.


Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.


Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.


Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. Plus, our car loans have different fixed terms and the option for balloon payment.


Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!


Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Apply For An Investment Loan makes borrowing simple so you can buy your next home and start saving thousands, sooner. Go from application to settlement in a few steps. Here's how.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.


Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

Common investment loan questions

If you purchase an investment property, you are likely to come across the term “gearing”. This means borrowing for the purpose of investing.

If you borrow to make an investment it can be negatively geared - where interest repayments exceed net income, or positively geared where net income exceeds repayments.

Negative gearing means that the cost of owning an investment property outweighs the rental income it generates. As an example, assuming your rental property earns $20,000 in one year and the expenses of owning the property (loan repayments, body corporate fees, maintenance, etc.) are $25,000. You will have a loss of $5,000 which you can claim as a tax deduction.

One benefit of this is the ability to claim tax deductions and reduce your taxable income. Additionally, a negatively geared property investment may appreciate in value over time.

It’s important to note the risk involved in negative gearing because you are losing money, so you’ll need to be aware of this so you can budget and prepare for the losses.
Buying an investment property is a popular choice of investment for many Australians. Compared to other forms of investment like shares, bonds and ETFs - investing in property is easy to understand. Plus, home loan rates are at record lows, and you can use your home's equity to fund your property investment.

Some benefits of purchasing an investment property include:
Unlike most home loans where each loan repayment consists of both interest and principal (meaning your loan balance reduces with each payment), on an interest only loan you only need to pay the interest calculated on your loan each month. This is particularly helpful to investors who wish to pay the smallest repayment amount.

At, you can choose up to a 5 year loan term for interest only, and once this expires you loan will revert to a principal and interest loan. Your repayments will increase after this period in order reduce your loan down by the end of the term.
Equity is the value of your home, less any money owed on it. For example, if your house is valued at $600,000 and the current debt is $250,000, the equity in the home would be $350,000.

You can leverage the equity in your home to cover the deposit on a new property, using your existing property as collateral. It’s great to make the first step to enter the property market because once you’re in, using equity is generally much easier than saving for another deposit. Find out more about using equity to buy another home

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

Get started

Apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With you can have confidence in dealing with Australia's largest non-bank lender.


How much can I borrow?

It takes less than 3 minutes to calculate your borrowing power!


Ready to apply or want pre-approval?

Give us a call on 13 10 90 or start an online application.

Get free property & suburb insights

To help you find the perfect home, we'd like to give you a free Comparative Market Analysis (CMA) property report, a breakdown of information about the property you are considering, including previous sale prices.


Estimated property value

An indication of how much the property is worth, based on factors including recent sale prices for comparable properties in the area.


Property mapping

An aerial photo of the property and its immediate surrounds, plus maps of the street & the property in relation to points of interest and facilities.


Properties sold in the area

You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.


Market comparison

Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.


Median sale prices in the area

The median sale price for homes in the area and how it has changed each month in recent years.


Suburb insight

Information about the suburb's demographics, such as household occupancy, household income and household structure.

Useful Resources


Guide to buying an investment property

Most people have questions as they start on the home buying journey, so we have pulled together some articles to help you.

From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here.

How it works - Home Loans - Purchase
Buying an investment property

A well-chosen property investment is a proven way to increase your wealth over time so it is no surprise that many Australians have a passion for investing in bricks-and-mortar.

Buying an investment property

A successful residential property investment is one of the few ways that an Australian wage earner can accumulate a meaningful amount of capital.

Buying an investment property

Rentvesting is investing in one property while living in another rental property yourself. Know the pros and cons and find out if this is the ideal property investment strategy for you.

Buying an investment property

Use an investment home loan calculator to estimate how much interest you’ll be paying, your monthly repayments, and the total amount you will repay on your investment home loan.

Buying an investment property

It’s an exciting time. You’ve decided to invest in property as part of a long-term plan to secure your future. More than anything, you want to make sure that investment pays off.

Buying an investment property

If you plan to invest in real estate you will need to choose what type of property to buy, and this generally comes down to a choice between a free-standing home or an apartment.

Got a question? We can help


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