Home Compare Home Loans Investing Rates updated 26 August 2026 - Want to secure a good interest rate on your investment property? Check out some of the lowest-rate home loans available for investors this month. Do you like & trust our expert, human-written content? Simply click this button to tell Google you want to see more of us in your Google Search Results, AI Overviews and AI Mode answers. Principal & Interest 20% Min Deposit Extra Repayments Discounted rate when bundling owner-occupied and investment loans Borrow up to 80% LVR. Available for purchase or refinance Principal & interest repayment option Built and funded by CommBank Principal & Interest 20% Min Deposit A low-rate variable investment home loan from a 100% online lender. Backed by the Commonwealth Bank. Principal & Interest 10% Min Deposit Extra Repayments Minimum 10% deposit needed to qualify. Available for purchase or refinance No application, ongoing monthly or annual fees. Principal & Interest 20% Min Deposit Extra Repayments Principal & Interest 10% Min Deposit Extra Repayments Principal & Interest 30% Min Deposit Extra Repayments Principal & Interest 10% Min Deposit Extra Repayments Principal & Interest 10% Min Deposit Extra Repayments Principal & Interest 10% Min Deposit Principal & Interest 10% Min Deposit Principal & Interest 20% Min Deposit Principal & Interest Principal & Interest 40% Min Deposit Extra Repayments Principal & Interest 10% Min Deposit Extra Repayments 20% Min Deposit Extra Repayments Discounted rate when bundling owner-occupied and investment loans Borrow up to 80% LVR. Available for purchase or refinance Interest-only repayments up to 5 years Principal & Interest 20% Min Deposit Extra Repayments Principal & Interest Extra Repayments Principal & Interest 20% Min Deposit Minimum 10% deposit needed to qualify. Available for purchase or refinance No application, ongoing monthly or annual fees. Monthly repayments: $ 3,075 Hot investment home loan rates in August One of the lowest home loan rates in our database is currently 5.99% p.a. (comparison rate 5.99% p.a.* ) from Pacific Mortgage Group with its Standard Variable Home Loan INV,PI LVR 80% . Property investors should always be on the lookout for a more competitive rate on your loan. Lowering your interest rate even a small amount can mean major savings in the long term, as well as improving your cash flow. These are the some of the lowest variable rates in our database available to investors: Meanwhile, here are some of your options if you're looking to fix : For more information on how we’ve selected these products, the products we compare, how we make money, and other important information about our service, please click here . Rates correct as of 26 August 2026. View disclaimer Getting a low rate investment home loan Many lenders offer lower rates to borrowers who can demonstrate they are less of a financial risk. Having a larger deposit relative to the value of the property being purchased (i.e. a lower loan to value ratio) is the best way to demonstrate this - many lenders will have lower rates available for borrowers with a lower LVR. See also : Home loan deposit calculator Maintaining a strong credit score and a stable income can also help you qualify for lower rate products. Additionally, banks and lenders might view an investor buying property in an area with high rental demand, a stable rental market, or one that typically offers above-average rental yields more favourably than they would another investor purchasing in a less desirable location. What is an investment home loan? Investment home loans are for people who want to buy a property to rent out instead of live in. These products are generally distinct from 'owner occupier' home loans , and often have higher interest rates and stricter eligibility criteria. Most lenders offer both, although some smaller outfits only have one or the other available. Property is a popular long term investment - many consider it a safer bet than other growth assets like shares. In Australia, it can be particularly attractive because of the tax breaks available to property investors. Investment home loan rates in 2026 Investment home loan rates tend to fluctuate in tune with the RBA cash rate . In April 2022, when the cash rate was at the all time low of 0.10%, the average rate on new investment home loans (principal and interest) was about 2.7% p.a according to the RBA. As the cash rate increased, so too did investment home loan rates. Once rates started going down in 2025, investment rates followed suit. Per most recent RBA data, the average outstanding variable investment rate is currently 5.7% p.a., slightly above the average owner occupier rate (5.5%). Compare Investment Home Loans By comparing various lenders and mortgage products, as well as understanding eligibility requirements , a property investor can ensure they find a home loan with all the features they need AND a competitive interest rate. These are some of the major factors a prospective investor should consider when shopping for a new home loan: What is a ‘Good’ Investment Home Loan Rate? A "good" investment home loan rate is typically any rate that falls below the current market average for your specific loan-to-value ratio (LVR) and repayment type. While "good" is a moving target dictated by the central bank, securing a rate even 50 basis points lower than the average can significantly increase your property’s yield. Because interest is often one of an investor's largest expenses, finding a competitive edge here is the most direct way to protect your overall returns and cash flow. Even a small change in an investor’s home loan interest rate – for example just 50 basis points – can have a big impact on overall returns. 30-Year Investment Home Loan: 6.50% p.a. vs 7.00% p.a. Calculations made using Savings.com.au's Home Loan Comparison Calculator . It’s also important to consider whether a fixed or variable rate is more suitable to an individual’s risk tolerance and market expectations. Finally, mortgage lenders must provide a comparison rate , which factors in both the interest owed on a home loan product and any additional costs or fees charged to a borrower. Comparing one product’s comparison rate against another's can be a solid way to identify which offers more bang for buck.

Loan features like unlimited extra repayments, redraw facilities , and offset accounts can significantly influence the success of a person’s property investment journey. If any of the preceding terms are unfamiliar to you, we’d recommend reading up on them as soon as possible because each can help lower the overall cost of the loan. Fees and charges It’s important to be aware of all associated fees , such as application fees, ongoing service fees, and early repayment fees. And don’t forget, some loans might have lower interest rates but higher fees, which could affect the total cost - this is where the comparison rate comes in handy. P&I repayments or interest only Investment property loans can have either principal and interest (P&I) or interest-only (IO) repayments . Knowing which is more suited to you depends on your investment strategy. Many property investors choose to make IO repayments, as they might be aiming to capitalise on the eventual sale of their property and don’t value paying down their debt in the meantime. On the other hand, another investor might wish to pay off their investment mortgage entirely, so to eventually stop the flow of regular repayments. Property Investing Is Booming in Australia Property investing is big business in Australia. Over the three months to September 2025, $39.8 billion of the total $98 billion worth of home loans written were for investors - more than 40%. Get a better home loan deal Compare thousands of home loans rates and features from 100+ leading Australian lenders. Learn more about investing in property! Looking to learn more about negative gearing? Learn what it is, how it works and what you can claim! Looking to buy property in Australia? Find out what rules and regulations are in place. Thinking of using an interest only investment loan for your property? See the latest rates and the pros and cons of interest only. Looking to invest in property and thinking about buying a duplex? Find out more about the pros, cons and what to consider. Frequently Asked Questions Are the big four banks the best investment home loan lenders? In Australia, the 'big four' banks - CommBank, Westpac, ANZ, and NAB - dominate the banking landscape. Their extensive reach and brand recognition often make them go-to options for investment home loans. But that doesn't necessarily mean they're the best investment mortgage lenders. The big four banks generally offer a range of investment home loan products. They typically provide numerous branch locations, extensive customer service, and diverse products. However, big four interest rates for investment loans might not always be the most competitive in the market. Smaller banks, credit unions, and non-bank lenders can offer lower interest rates and a more personalised service. Some may also provide more flexible lending criteria and innovative loan products tailored to investors' specific needs. Don't always avoid the major banks though - it's just important to check out all your options! What are the eligibility requirements for investment home loans? The eligibility criteria for investment home loans generally differ from those for owner-occupier home loans due to the higher risk associated with investment properties. Key eligibility criteria typically includes stable and sufficient income – enough to cover loan repayments and still allow for financial security. Some lenders may also factor in the rental income that will presumably come from an investment property. A good credit history can also be essential in securing a loan with favorable terms, while lenders typically require a lower LVR for investment properties – usually not more than 80% to 90%. If a property investor has a deposit of less than 20%, they might also be required to pay Lenders Mortgage Insurance (LMI). Lenders will generally also assess your existing debts against your income to ensure you can manage additional loan repayments, and many might restrict the property types or locations they fund. For instance, some lenders won’t fund the purchase of single bedroom units or properties in rural locations. Is investing in property risky? Like any investment, buying a rental property comes with a set of risks. Property prices can go up or down, as with any asset, and are not immune from fluctuating with economic conditions. Rental income can also be unstable due to factors like tenant turnover, vacancy periods, or tenants defaulting on rent. Like other mortgage-holders, property investors are also at risk of experiencing interest rate rises, especially those with variable-rate loans (see above). Anyone considering investing in property should weigh up their options carefully and seek independent advice when needed. Can you refinance an investment home loan? Property investors can absolutely refinance their home loans. Refinancing an investment home loan can offer several advantages, including lower interest rates, access to equity, and improved loan features. Refinancing to a loan with a lower interest rate or more favourable features can make a notable difference to the size of an investor's mortgage repayments and potentially save tens of thousands over the life of their loan. Furthermore, the equity that is built up in bricks and mortar is notoriously hard to access, but refinancing offers a means to utilise it - e.g. as a deposit on another investment property, to fund renovations, or to buy a car. If you're considering refinancing your investment home loan, check out some of the market's best rates by browsing the comparison table above. Investing Guides What is land tax? What is flood insurance and how much is it? How is rental income taxed? Property Investing News How to rent out your investment property Housing market slowdown hits regions Can ETFs challenge property’s dominance as Australia’s top investment? Big four banks reveal mortgage collapse Housing profitability shows first signs of slide Residential vs commercial property investment: Comparison Explore more home loan types Editorial Promise Savings.com.au follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts who ensure everything we publish is objective, accurate and trustworthy. Senior Finance Journalist Denise Raward is a senior journalist with an interest in macroeconomics, property, and personal finances. She has worked extensively across mainstream media organisations and lectured at Queensland University of Technology, Griffith University, and Bond University. She holds a Bachelor of Business - Communication, a Master of Arts, and RG 146 financial certification in Generic Knowledge, Securities, and Regulation. Joining Savings.com.au in January 2024, Denise strives to deliver financial information in everyday language to help Australians to better understand how to manage their own – and their families' – ongoing financial health. Dominic Beattie is the Editor of Savings.com.au, Group Editor for the wider InfoChoice Group, and host of The Savings Tip Jar podcast alongside Brooke Cooper. Dominic has more than a decade's experience in the finance media sector, joining Savings.com.au in 2018 to spearhead its launch as a financial comparison service and dedicated source of consumer finance news and guides. Important information Savings.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity. For more detailed information, please refer to our How We Get Paid , Managing Conflicts of Interest , and Editorial Guidelines pages. Editorial Integrity At Savings.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests. Learn more about our commitment to editorial integrity in our Editorial Guidelines . Advertiser Disclosure Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site. For more details, see How We Get Paid . Product Coverage and Sort Order We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral. You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear. For more details, visit How We Get Paid and Managing Conflicts of Interest . Comparison Rate Warning and Base Criteria For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges. *For home loans, the comparison rate is based on a $150,000 loan over 25 years. *For car and personal loans, the comparison rate is based on a $30,000 loan over 5 years. Warning: these comparison rates are true only for the examples shown and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Monthly Repayment Figures Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. 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