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.
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.