Investment Home Loans
Investment home loans are tailored for individuals purchasing property to generate rental income or capital growth rather than for personal residence. Lenders generally view investment properties as slightly higher risk than owner-occupied homes, which often results in marginally higher interest rates. However, investment loans offer specialized features like interest-only repayment periods, which can assist with cash flow management and tax strategies (though we recommend consulting a tax professional for specific advice). Lenders will assess the potential rental income of the property alongside your personal income when determining borrowing capacity. The main trade-off for investors is often between the lowest possible interest rate and the flexibility of the loan structure, such as the ability to use an offset account or redraw facility. We help you navigate these choices by shortlisting lenders whose policies align with your investment goals and existing portfolio structure.
When it makes sense
- Purchasing a residential property to be used as a long-term rental.
- Using the equity in your current home to fund an investment deposit.
- Refinancing an existing investment loan to a lower interest rate.
- Securing interest-only repayments to maximize monthly cash flow.
- Buying an apartment or townhouse for short-term holiday letting.
- Structuring a loan for a property held within a family trust.
- Comparing lenders that offer high LVR options for investors.
Indicative terms
| Indicative loan size | 00,000 to 5,000,000+ |
| Indicative max LVR | Up to 90% (standard is 80%) |
| Indicative rate range | 6.10% p.a. – 7.50% p.a. |
| Loan term | Up to 30 years |
| Repayment types | Principal & Interest or Interest Only |
| Interest only terms | Typically 1 to 5 years |
| Indicative timeline | 2 to 4 weeks for approval |
| Indicative fees | Application, valuation, and legal fees |
How it works
- Portfolio Review — We look at your current financial position and any existing property equity to determine how much you can afford to invest in a new property.
- Lender Comparison — Our team compares investor-specific products, looking for lenders who offer the best rates and policies for the specific property type you're targeting.
- Pre-approval & Strategy — We secure a pre-approval so you can shop with confidence, while also discussing the most effective loan structure for your long-term goals.
- Valuation & Settlement — Once you have a contract, we manage the formal valuation—including rental appraisals—to ensure the lender is satisfied with the security.