Investment home loan rates over 0.65% lower than last year

If you’re an investor looking to jump into or expand your portfolio in the property market, you’ll be pleased to know that home loan interest rates have plummeted since this time last year. 

According to the Mozo database, for borrowers making principal and interest repayments on a $400,000 loan, the average investor home loan interest rate has dropped by 66 basis points - from 4.81% on the 21st of November 2018 to 4.15% today. 

And most of the change happened in the second half of this year! 

Since June, the RBA has made a whopping 0.75% cut to the official cash rate. While some lenders have passed on the full cut, others have made only partial cuts, so since June 1, 2019 we have seen a 0.61% drop in the average interest rate for an investment home loan. 

But who wants average when you can get better than average? Say hello to these investment home loans offering rates far below 4.15%! 

Investment Home Loans 2019

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Last updated 21 July 2024 Important disclosures and comparison rate warning* - Smart Home Loan
  • 3.19% variable rate (3.21% comparison rate*)
  • Complimentary extra repayments and redraw facility
  • No ongoing fees
Find out more

The Smart Home Loan from doesn’t only have a competitive interest rate for investors, it also has a bunch of handy features so you can pay back your loan in a way that suits you. With a 3.19% variable rate (3.21% comparison rate*) and no ongoing fees for the life of the loan, this loan could help you save in more ways than one! And if you need a little flexibility, not only are there complimentary extra repayments, but a free redraw facility as well.

Queensland Country Bank - RateSaver
  • 3.49% fixed 3 year rate (3.90% comparison rate*)
  • No monthly service fee
  • Offset account
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If you’re on the hunt for a hot investor home loan, the Queensland Country Credit Union RateSaver (Fixed) Home Loan could be the one for you. With a 3.49% 3 year fixed interest only rate (3.90% comparison rate*), an offset account option, extra repayments up to $10,000 per year, a redraw facility and minimal fees, this loan is both flexible and competitive. And if you want the freedom to choose your own repayment schedule, with this loan you can with the option to make weekly, fortnightly or monthly repayments. 

Athena - Liberate Variable Home Loan
  • 3.24% variable rate (3.20% comparison rate*)
  • Complimentary extra repayments and redraw facility
  • No fees
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In need of a competitive investor home loan? Athena’s Variable Home Loan not only has an attractive 3.24% variable rate (3.20% comparison rate*), there are also no pesky fees attached to this loan! Need a little more? Pay this loan back in your own way with the option to make weekly, fortnightly or monthly repayments and also make complimentary extra repayments with a redraw facility if you want to.

Need a little more help finding the right investment home loan for you? Jump over to our home loan comparison tool or read our useful guides and tips for all the info you need!

* 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.

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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.