Thinking of an investment home loan?
Our competitive rates help you grow your investment property portfolio.
Multi-award winning
Variable Investor Home Loan
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Borrow up to 90% LVR at a discounted rate -
Offset sub-account available for +0.10%^
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No transaction fees for redraws
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No monthly or ongoing fees
Our investor home loans feature a number of options with competitive rates, great features and flexible repayment options to suit your property investment goals.
Whether you’re purchasing, refinancing, or building an investment property, chat with our Australian-based home lending specialists who’ll provide you with personal support when you need it.
Why Aussies Choose Us
Apply anytime, and from anywhere.
Fast tracked pre-approval in minutes.
Smarter lending to get you moving sooner.
Online convenience, local support.
Our home loan interest rates
| Home Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable Investor Home LoanInvestor • Principal & Interest • Up to 90% LVRMost Popular
|
5.84% p.a. | 5.88% p.a. | $2,947 |
|
Do I Qualify? |
Investor PackageInvestor • Principal & Interest • Up to 80% LVR |
5.78% p.a. | 5.82% p.a. | $2,927 |
|
Do I Qualify? |
Green InvestorInvestor • Principal & Interest • Up to 90% LVR |
5.69% p.a. | 6.03% p.a. | $2,899 |
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Do I Qualify? |
Your property report
Here’s what you’ll get in the loans.com.au free property report.
The report contains:
A list of the recent sales of properties similar to the one you are looking at.
A list of properties currently on the market, similar to the one you are looking at.
An estimation of the value of the property.
Why choose our Investment Home Loan?
Competitive rates
Being an online lender means fewer costs for us which means great rates for you.
Australian based
Rely on the support of our Australian-based team when you need to talk things through.
Flexible options
We have a full range of loan features with weekly, fortnightly or monthly repayment options.
Quick decision
Apply online or chat to one of our specialists for a quick decision and easy application.
As seen on...
Real-life customer stories
Bryan
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Our home loan application process
Application
Simply fill out your home loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
onTrack
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
Speak to specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the home loan approval process through to settlement as quickly as possible.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack.
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
Common investment loan questions
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.
Negative gearing explained
Learn the difference between positive and negative gearing in property investment, including how negative gearing works, its risks, and potential tax benefits.
Top Suburbs for Rental Yield in Queensland
When investing in real estate, you must look at potential rental yields. There are a few regions where rental yields are considerably higher. Before investing, take note of the high rental yield suburbs in Queensland.
Tax deductions for your investment property
With almost a third of all home loans in Australia investment properties, it's worth knowing that owning an investment property can allow for a large number of expenses to be deducted come tax-time.
Tips for Buying an Investment Property in Australia
Is it too late to invest in real estate?
Top Suburbs for Rental Yield in South Australia
Top Suburbs for Rental Yield in New South Wales
15 things to consider when buying your second property
Investment property calculator
Affordable Suburbs for Property Investment
Find the Right Property Investment Strategy
Retirement options for SMSF Property
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