Investment Home Loan

Low rate loans for investment property

Seeking loan approval for an investment property? Get instant access to the same tools that brokers use to compare home loan rates across 30+ Australian lenders.

No annoying sign-ups or emails required to start comparing rates. Only when you’re ready, get qualified with us!

We negotiate home loan rates as low as

1.79 % P.A. 3 year fixed rate^*

2.94 % P.A. Comparison rate^{^}

from 30+ lenders

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Compare Low Rate Investment Home Loans

Seeking loan approval for an investment property? Rateseeker comprehends that there are many rules and regulations, eligibility checklists and T&Cs to consider when you’re thinking of purchasing an investment property. Even more so when you’re comparing the multitude of investment loan rates available to you.

As a result, finding the right investment property loan that suits your needs the most is no easy matter.

But whether you’re investing for the very first time or looking to add to a growing portfolio of investment properties, there’s a number of investment loans with reasonable low down payments of 10% or less.

Unsure where to start looking? Rateseeker can get you on the right track.

Get instant access to the same tools that brokers use to compare investment home loan rates across 30+ Australian lenders.

No annoying sign-ups or emails required to start comparing rates. Once you’re ready, contact one of our licensed conveyors and we’ll help you get qualified for your investment property loan – get to your dream home faster!

How does an investment home loan work

An investment home loan works similarly to other home loans. When you buy a property, you put down a deposit for the property you wish to purchase, and the bank then lends you the rest of the money needed. Over time, you eventually pay back the loan plus the interest charged in regular monthly instalments throughout the term of the loan.

Investment properties differ in their approvals and condition features.

Investment home loans, unlike traditional residential home loans, require a lower LVR (Loan-to-valuation ratio). This means investors are able to raise their deposit amount before you can apply for an investment property loan. These types of loans also have higher interest rates.

→ Learn more: How to refinance your home loan

Potential Benefits

Some benefits of owning an investment property can include:

Provides you with a valuable (long-term) income stream which typically increases over time
Growth property value over time
Costs of buying and maintaining a property can be claimed as tax reductions to reduce your taxable rental income generated by the property

→ Learn more: Calculate what your repayments will look like for any given investment home loan

Comparing investment loan rates

It always pays to do some extra research when it comes to comparing investment property loans. Interest rates are an important consideration as they can affect the total cost of your home loan. Other factors to look out for while shopping for an investment loan include assessing the fees attached to the loan, and identifying and key features.

With Rateseeker, we can show you both advertised and comparison rates along with fees and features attached to each product to make your search as hassle-free as possible.

We currently compare more than 30+ lenders and home loans to give new buyers the confidence to compare interest rates and mortgages on their own.

Head on over to our home loan calculators to compare investment home loan rates in your own time. Choose the calculator that best applies to your situation and we’ll help you along the way.

Our platform allows you to easily compare rates of multiple lenders and investment loan products online. See if you qualify for a low rate investment home loan today.

FAQs about Investment Home Loan

What you need to consider when buying a property?

Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.

How much will I need for a deposit?

Most lenders will usually require you to have a minimum 5% deposit of the purchase price plus a little extra to cover other costs such as stamp duty, legal fees and lender's fees. Now lenders have changed the required minimum deposit depending on other factors such as if it's an investment purchase and where the property is located. With constant changes with bank requirements, it is important to speak to a broker to work out what you really need.

What costs and fees are involved with buying a property for investment purposes?

There are fees associated with purchasing a property that you will need to make room in your budget for.

Does Rateseeker help with investments home loans?

We sure do! Rateseeker has many major banks & non bank lenders to choose from to help achieve your property investment goals. Fill out our form and one of our affiliated brokers will get in touch with you to to work out how they can help.

What is a Contract For Sale?

The contract of sale is a legally binding document that you sign by you and the vendor (seller). This contract sets out the terms and conditions of the sale, as agreed to by you and the vendor. While the contract of sale becomes a legally binding document the moment you sign it, there may be a cooling-off period during which you can cancel the sale if you bought the property by private sale. This is generally negotiated before you sign the contract of sale. The cooling-off period does not apply to auctions.

What is a loan comparison rate?

Meet one of our experts

Director Nick Chong

As a founder of Ardent Capital Group, Nick Chong brings more than 12 years of financial planning and mortgage broking experience. This, together with his strong economics background, gives him the expertise to lead his handpicked talented team of advisers.

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