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 LoanBorrow up to 90% LVR at a discounted rate+ |
5.59% p.a. | 5.63% p.a. | $2,867 |
|
Do I Qualify? |
Investor PackagePackage with an owner occupied loan and borrow up to 80% LVR^^ |
5.53% p.a. | 5.57% p.a. | $2,848 |
|
Do I Qualify? |
Solar InvestorBorrow up to 90% LVR at a discounted rate for 5 years~~~ |
5.44% p.a. | 5.78% p.a. | $2,820 |
|
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 investor home loan application process
Apply Online
Complete your application through our online platform.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Speak to our Specialist
Our lending specialists will make an appointment with you to guide you through the loan process, including getting a pre-approval.
Approval & Signing
Review and sign your mortgage documents and loan agreement via onTrack.
Settlement
Your loan settles, which means your funds will be ready.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
Common investment loan questions
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.
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.
Some benefits of purchasing an investment property may include:
- Potential tax benefits for property investors
- Potential capital growth
- Relatively stable investment
- Passive income
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 loans.com.au, 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.
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.
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 to build a property portfolio from scratch
Learn how to build a property investment portfolio, grow passive income, diversify assets, and maximise capital growth with smart strategies.
Can I afford an investment property?
Discover key factors to consider before investing in Australian real estate. Learn how to diversify your portfolio, manage costs, and make informed decisions for successful property investment.
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Regional vs Capital: Where to buy an investment property?
Negative gearing explained
Top Suburbs for Rental Yield in Queensland
Tax deductions for your investment property
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
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