Your selected home loans
Investment, Refinance Only
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for investors. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
Read our Mozo Review to learn more about the Unloan Unloan Variable
Your selected home loans
Obliterate, Investor, Principal & Interest, <50% LVR
Investors get a low variable rate depending on your deposit with Athena’s Straight Up Investor Variable Home Loan. AcceleRATES feature helps you to reduce your home loan even faster (T&Cs apply). Zero fees to pay. Free redraw facility. Handy mobile app to manage your home loan.
Investors get a low variable rate depending on your deposit with Athena’s Straight Up Investor Variable Home Loan. AcceleRATES feature helps you to reduce your home loan even faster (T&Cs apply). Zero fees to pay. Free redraw facility. Handy mobile app to manage your home loan.
Read our Mozo Review to learn more about the Athena Straight Up
Your selected home loans
Principal and Interest, LVR<70%
Grow your property portfolio with Homestar’s SMSF Home Loan. Offset account included. No liquidity or net asset position requirements. No ongoing fees. Minimum set-up costs. Fast application process with a dedicated home loan specialist.
Grow your property portfolio with Homestar’s SMSF Home Loan. Offset account included. No liquidity or net asset position requirements. No ongoing fees. Minimum set-up costs. Fast application process with a dedicated home loan specialist.
Read our Mozo Review to learn more about the Homestar Star Blue - SMSF Refinance Special
Your selected home loans
LVR<60%, Investment, Principal & Interest
Competitive variable for investors with no monthly account keeping or ongoing annual fees. Unlimited additional repayments & option to redraw additional repayments as cashback.
Competitive variable for investors with no monthly account keeping or ongoing annual fees. Unlimited additional repayments & option to redraw additional repayments as cashback.
Read our Mozo Review to learn more about the Suncorp Back to Basics Special
Your selected home loans
50%-60% LVR, Investment, Interest Only
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Read our Mozo Review to learn more about the Athena Fixed Home loan
Your selected home loans
LVR <70%
Enjoy a competitive rate on your SMSF home loan with Loans.com.au. Available for refinancers only. No application fee and no settlement fee. No monthly, annual or ongoing fees. Unlimited extra repayments. Online access via Smart Money App. 30% deposit required.
Enjoy a competitive rate on your SMSF home loan with Loans.com.au. Available for refinancers only. No application fee and no settlement fee. No monthly, annual or ongoing fees. Unlimited extra repayments. Online access via Smart Money App. 30% deposit required.
Read our Mozo Review to learn more about the loans.com.au SMSF Home Loan
Your selected home loans
70-80% LVR, Investment, Principal and Interest
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Read our Mozo Review to learn more about the Athena Fixed Home loan
Your selected home loans
Investor, Principal and Interest, LVR<80%
Affordable home loan rate for buyers or refinancers.. No monthly or ongoing fees. Option to add an offset for 0.10%. Access to savings with unlimited redraws available. Minimum 30% deposit required.
Affordable home loan rate for buyers or refinancers.. No monthly or ongoing fees. Option to add an offset for 0.10%. Access to savings with unlimited redraws available. Minimum 30% deposit required.
Read our Mozo Review to learn more about the loans.com.au Variable Investor Home Loan 80
Your selected home loans
<50% LVR, Investment, Interest Only
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Competitive rate tiers for investors only. Leverage the equity you have built up for a lower interest rate. Enjoy a super-fast application process. Split up to 10 loans against your property. Optional offset accounts. Unlimited fee-free transactions. Interest only option.
Read our Mozo Review to learn more about the Athena Fixed Home loan
Your selected home loans
Home loans come in many shapes and sizes, start comparing here based on your needs.
Search the Mozo Database
Browse all 463 home loans in Mozo's comparison database
Our experts track home loan interest rates, product changes and help you stay informed of industry trends. Read more
Throughout the last month, investment home loan interest rates (P&I, $400k, <80% LVR) remained steady at an average of 7.18% p.a. in the Mozo database.
This is likely due to the improving outlook of inflation, which has returned to November 2021 levels, according to the Australian Bureau of Statistics (ABS).
For a few months now, the expectation that the Reserve Bank of Australia (RBA) will cut the official cash rate in the latter part of the year might also be a driving force in keeping investment loan rates where they are.
A cut in, say, September 2024 (when some economists at the Big Four banks predict a cut will occur) would mean that investment loan lenders may drop their rates in lockstep.
While that means your mortgage repayments may get cheaper, it also means an increase in competition within the housing market.
In turn, property prices may rise and impact your repayments negatively. This may also create a higher barrier to entry in terms of mortgage serviceability.
Lowest investment home loan rates in March 2024
Currently, the average variable rate for principal & interest investment loans is 7.18% p.a. in the Mozo database. Out of the offers we track, the lowest investment home loan rates (LVR < 80%, P&I, $400K) are:
For more information on property investing, browse our home loan guides for tips and tricks, including why investors pay more for a home loan.
Your first house doesn’t have to be your first home. Investment home loans help Australian borrowers purchase a property they don’t intend to live in.
From flipping houses to becoming someone’s landlord, investment home loans can help Aussies climb the property ladder by:
Choosing the right investment home loan is vital for real estate investors. Mortgages play a major role in upfront and ongoing property costs.
Mozo’s expert guides and calculators can help simplify the comparison process.
Investing in real estate can make it easier to finance a second property, such as another investment or your dream home. How? By using your home equity.
Your equity is the value of your ownership. If you own a property worth $1 million but have $200k left on your mortgage, then you have $800k in home equity.
Equity ($$) = Property value - loan value
If your loan size decreases or your property value increases, your equity rises.
Equity is a form of wealth you can use to fund projects, like a second property. How it works is you refinance your home loan to “borrow” from your equity, giving you some cash.
However, this tactic has pros and cons, so read more in the button below.
Every property investor is different, so matching the right home loan to the right borrower is essential. Comparing investment home loans is a crucial part of the property-buying process.
Which loan is right for you? It depends! Here’s how Mozo can help.
Investment home loans have higher interest rates than owner-occupied loans. Mozo’s comparison tool lets you filter, sort, and compare home loans.
Mozo’s expert judges review hundreds of investment home loans annually to crown the best of the best. Compare award-winners in the button below.
Mozo’s expert writers break down and explain the property market in simple languages – including investment and financial strategies.
The right investment mortgage balances features and costs with your property aims.
Only some people find their dream home right away. And that’s okay! Investment home loans let you access the benefits of owning property without living there.
Some perks of investing in property include:
The right investment home loan can make your investment profitable by cutting down on extra costs and accelerating your property journey toward full ownership.
Australian property is a relatively low-risk asset since property prices generally increase over time (a phenomenon called “capital growth”), though this will vary by location and property.
Property investors also get a host of tax benefits.
Consult a tax professional to see what you can claim on your taxes. Eligibility for deductions with vary by property investor.
Can your investment turn a profit? Crunch the numbers with Mozo's free mortgage calculators. See more
The application process for investment home loans is similar to all other loans. Once you choose a property and demonstrate serviceability through supporting documentation, you apply and get it approved by a lender of your choice for the loan amount you need to borrow.
You must give a home loan lender identity, financial, and property information in your investment application. This can include mortgage documents such as:
The main differences between owner-occupied and investment loans are lending criteria and cost.
Lenders consider investment mortgages financially risky because the borrower often relies on rental income. So, to protect themselves from missed or defaulted mortgage payments, lenders often slap investment loans with high interest rates and stricter lending criteria, such as a larger deposit.
Yes, you can refinance your home loan from an investment to an owner-occupied mortgage. You must meet eligibility requirements for your new home loan, such as having a good debt-to-income ratio and credit score and meeting minimum loan-to-value ratio (LVR) requirements.
How often you should review your investment home loan is up to you, but once a year is an excellent place to start. This way, you can check your interest rate to ensure it stays competitive, see if your mortgage repayments have changed, and calculate how much equity you’ve accumulated.
Negative gearing is when an investor loses more money maintaining a property than they make. Essentially, they return a loss.
Negative gearing can come with tax benefits since the interest payments lower the investor’s taxable income for the year while still accruing their wealth in home equity.
However, negative gearing can be financially risky – the investor will need enough cash to cover the temporary shortfall.
Too many negatively geared properties in one area can also tank property values, eroding the equity the investor needs to build wealth.
Learn what you need to know about investment home loans, including tips and traps, in our helpful guides. See all
Get the latest on property market trends, interest rates, and lending news from Mozo's expert writers. See all
We compare home loans from the following well-known lenders and many more... SEE MORE HOME LOAN LENDERS
We had a great experience with CommBank over the last 6 years, it was easy to get a rate review every 6 months and the customer service was great, we have no complaints about our experience and would happily recommend.
Read full reviewWe had a great experience with CommBank over the last 6 years, it was easy to get a rate review every 6 months and the customer service was great, we have no complaints about our experience and would happily recommend.
Easy to contact but had incorrect mailing details for our home loan so for over 7 years sent all our mail,elsewhere.
Read full reviewEasy to contact but had incorrect mailing details for our home loan so for over 7 years sent all our mail,elsewhere.
Great service
Read full reviewMore home loan reviews