Australia’s best investment loans of 2019

By Rhianna Dews · Friday, 4 October 2019 · 2 min read

Fact Checked

Has the Spring property season inspired you to add a new investment property under your belt? Or perhaps you’re looking to refinance your current investment home loan to a better deal?

Well, with investment loan rates continuing to drop like flies since the RBA’s recent decision to slash the cash rate for the third time this year, now's a better time than ever to hit up the market. And what better way to refinance or lock in a new property than with an award-winning investment loan?

Earlier this year, our Mozo expert judges underwent an intensive research analysis, comparing 436 home loans from 85 different lenders to find the winners of the 2019 Mozo Experts Choice Awards for Home Loans.

So, if you’re after the crème de la crème in investment loans, then here’s a few that really caught the attention of our Mozo experts!

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Important disclosures and comparison rate warning*

Important disclosures

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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.

Comparison rate warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

How Initial Monthly Repayments figures are estimated

Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

UBank - Fixed UHomeLoan

2019 Mozo Experts Choice Award-winner
Competitive rates for a range of fixed terms
Online loan application

Find out more

If you’re an avid investor looking to add another property to your collection, then be sure to check out online lender UBank’s UHomeloan (Fixed). With super low 3 year fixed rates from 2.99% p.a. (3.45% p.a. comparison rate*) on amounts between $100,000 and $2,00,000, plus, free extra repayments (up to $20,000 p.a.) and the option of a split account, the UBank UHomeloan is where it’s at! Not to mention this one took out a 2019 Mozo Experts Choice Award in the Investor Fixed Home Loan category.

Tic:Toc - Variable Home Loan

3.35% p.a. variable rate (3.36% p.a. comparison rate*)
2019 Mozo Experts Choice Online Home Lender of the Year
As little as 10% deposit required

Find out more

The Tic Toc Variable Investor Home Loan hits the ground running with a competitive 3.35% p.a. variable rate (3.36% p.a. comparison rate*) on loans between $50,000 and $2,000,000 and a maximum LVR of 80.00%. On top of all that, this 2019 Mozo Experts Choice Award-winning investor loan charges no fees (aside from a $325 discharge fee) and offers loads of flexible features, like weekly, fortnightly and monthly repayment options, free extra repayments and free redraw facility.

Athena - Liberate Variable Home Loan

Rates from 3.24% p.a. (3.20% p.a. comparison rate*)
Free extra repayments and redraw facility
No annual application fees

Find out more

The Athena Variable Investor Home Loan kicks it off with a low 3.24% p.a. variable rate (3.20% p.a. comparison rate*) and 80% LVR. Additionally, the Athena Variable Investor Home Loan offers loads of flexible features, like free extra repayments, a free redraw facility, no fees, and a super-generous 0.01% loyalty discount for each year all repayments are made on time, for the first 5 years (0.05% total). To top it all off, Athena Home Loans was recognised with a Mozo Expert Rated badge, so you know it’s got that Mozo tick of approval!

Check out the full winner list of the 2019 Mozo Experts Choice Awards for Home Loans, or hit up our investment property home loan comparison tool for more HOT offers!

^* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

^** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.