An investment loan is a mortgage used to buy an investment property, whether land, a unit or a house. Investors commonly use rental income from the property to cover part or all of the repayments. Compare investment property loans from 5.94%This is our lowest starting rate for these products. Other factors may change rates once you filter your results. See sorting and ranking for more info. p.a. (5.98% comparison rate) with Northern Inland Credit Union's Value Home Loan - Investment.
Rates checked against every provider’s own published dataWe show all of the product information we are able to access. For banking products that is each provider’s public Consumer Data Right (CDR) Product Reference Data endpoints, published under the Consumer Data Standards (CDS) maintained by the Data Standards Body. Where a provider does not publish a field, or a row is an editorial selection, we say so. on 19 Oct 2026
Borrowing $500,000 over 30 years at the lowest advertised shown:
Monthly repayment from
$2,978/mo
Total repaid
$1,072,257
Total interest
$572,257
Estimate only, based on the lowest advertised interest rate shown and assuming equal monthly repayments. Actual repayments depend on your rate, fees and loan terms.
Suitable for Investment and Owner Occupied residential borrowing with LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Suitable for Investment and Owner Occupied residential borrowing, LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Suitable for Investment and Owner Occupied residential borrowing. LVR up to 95%. Fixed and Variable rates available including for construction purpose (variable only)
Home loans with more than just low rates but also the security of a fixed rate, providing you with… the certainty of knowing your repayments won't change during the fixed rate period
Get a loan that's simple to use and easy to understand. Just a great low rate that helps you pay your home off faster. Available on new loans $100,000+, borrowing less than 90% of the property value…
MyState offers a premium variable rate product for customers seeking a home loan in excess of… $100,000. If you're buying or building your own home, a residential investment property, a block of land…
A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available.
The Better Choice Gold Special Basic Variable Home Loan offers a standard variable loan. Available up to 80% LVR, this loan suits borrowers that are looking for flexibility with their home loan and…
A variable loan for investors with flexible features such as a 100% offset account to help pay your… loan off sooner. Includes a competitive rate, fee free redraw and no monthly or annual fees.
Rates and fees are sourced from each provider’s CDR Product Reference Data where the provider publishes it.
Comparison rate warning and base criteria
Base criteria: repayment figures shown in this table are calculated on a loan of $500,000 over 30 years. Repayment estimates use each loan’s advertised interest rate, with the comparison rate shown beside it as a guide to total cost. These figures are examples only. They are not a quote, and they may not include all fees and charges.
*Warning: the comparison rate shown is calculated by the lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
About this table: we publish this table so you can research credit products, by bringing together in one place the banking data lenders publish under the Consumer Data Right. Using that data, we have tried to show products that match this table’s title. This table does not compare all products, and there may be products with a lower rate in the market that are not shown here. Do your own research to find a product that suits your needs and financial goals. See how we choose products for tables like this.
Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.
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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
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What is an investment home loan?
An investment home loan funds a property you intend to rent out rather than live in. The mechanics are the same as an owner-occupier loan, with principal, interest and a term, but lenders price and assess investor lending differently because the risk profile differs. Rental income forms part of the serviceability calculation.
How investor rates and features differ
Investor rates are typically a little higher than owner-occupier rates, and lenders may apply tighter LVR limits. In return, investors often value features such as interest-only periods and offset accounts that suit a tax and cash-flow strategy. The comparison rate sits alongside the headline rate so fees are accounted for.
Interest-only, offset and tax considerations
Many investors choose interest-only repayments to keep outgoings low while the property grows in value, though the balance doesn’t reduce and the rate is usually higher. An offset account can hold surplus cash while keeping interest deductible. Tax treatment, including negative gearing, depends on individual circumstances, which is a question for a tax adviser. This is general information only.
How investment home loans compare
Rate, fees, the interest-only option and offset matter in proportion to the investor's strategy. There are fixed and variable structures, and loans can be compared side by side. The home loans hub shows the full market.
Expert view
“A loan is part of an investment strategy, not a standalone decision. Interest-only and offset can be powerful for cash flow and tax, but only if they match how you hold the property, and the comparison rate still tells you what the money actually costs once fees are in.”
JP
Jordan Pearce
Senior finance writer, CompareThat
Glossary
The key terms you’ll meet when comparing these products, reading product disclosures or talking to a provider.
Term
What it means
Comparison rate
A single rate that combines the advertised interest rate with most fees and charges, so loans can be compared on a like-for-like basis.
Equity
The portion of a property you own outright, its value less the loan secured against it, which can be used toward another purchase.
Fixed rate
An interest rate locked for a set term, so repayments stay the same regardless of market movements, usually with limited extra repayments or offset.
Interest-only
A repayment type where you pay only the interest for a period; the loan balance does not reduce and the rate is often higher.
Lenders Mortgage Insurance (LMI)
A one-off insurance premium that protects the lender, usually charged when you borrow more than 80% of a property’s value.
Loan-to-value ratio (LVR)
The size of your loan expressed as a percentage of the property’s value. A 20% deposit gives an 80% LVR.
Negative gearing
When the costs of holding an investment property exceed the rental income, producing a loss that may be offset against other income.
Offset account
A transaction account linked to your loan; its balance is offset against the loan, reducing the interest you are charged.
Principal and interest (P&I)
A repayment type that pays down both the amount borrowed and the interest, reducing the balance over the life of the loan.
Redraw
A facility that lets you access extra repayments you have made above the minimum, if you need the money back later.
Rental yield
The annual rental income from a property expressed as a percentage of its value or purchase price.
Variable rate
An interest rate that can move up or down with the market, usually paired with more features such as offset and unlimited extra repayments.
Common questions
Are investment loan rates higher than owner-occupier rates?+
Usually, yes. Lenders generally price investor lending a little above owner-occupier loans, and may set tighter LVR limits, because the risk profile differs.
How does interest-only work on an investment property?+
Interest-only keeps repayments low and can suit a cash-flow or tax strategy, but the balance doesn’t reduce and the rate is typically higher. Principal and interest repayments reduce the balance instead.
Can I use equity in my home to invest?+
Many investors borrow against the equity in their existing property to fund a deposit on an investment. Lenders assess the combined position, including your overall LVR and serviceability.
What is negative gearing?+
Negative gearing is when the costs of holding an investment property, including loan interest, exceed the rental income, producing a loss that may be offset against other income. Tax outcomes depend on your circumstances.
Does an offset account still help on an investment loan?+
Yes. An offset reduces the interest charged while keeping funds accessible, and can help preserve the deductibility of interest compared with paying the loan down directly. Tax treatment depends on individual circumstances.
The Numbers Behind This Market
What this market is paying or charging on average right now, and the official figures behind it.
We are not a lender, broker or bank. Product data comes straight from each provider’s own Consumer Data Right feed (Australia’s official open banking system) and is refreshed daily, so what you see reflects published rates and fees, not a sales pitch.
✓Not a credit provider: we do not lend, arrange loans or take applications.
✓Sourced from each provider’s CDR Product Reference Data, refreshed daily.
✓Payment can change where a product appears, never which products we show.
✓General information, not credit advice. CompareThat compares; it does not recommend.
Rates and fees are sourced from each provider’s CDR Product Reference Data as of the date shown. They are general information only. Not credit advice. CompareThat is not a credit provider. Payment can change where a product appears, never which products we show.
