What Is The Lowest Investment Home Loan Rate On Offer?
Starting from
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p.a.
Comparison rate
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p.a.
(*Interest rates displayed are subject to change and may vary based on your individual circumstances, including your credit profile, loan amount, and other factors. Please contact us to confirm the latest rates and find the most suitable option for your needs.)
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Do I qualify for an investment home loan?
Investment loans often come with more specific financial requirements due to their higher risk profile. The basic lending criteria are:
- You should have 5%-10% in genuine savings or accessible equity in your existing property(if this is not your first investment property).
- You should have a good credit score.
- You should have stable employment with a consistent income.
- An acceptable postcode or security, as determined by the lender.
Maximise your borrowing capacity as an investor!
There are some ways you can increase your borrowing power for an investment loan.
Here’s how
- Combine credit cards, car loans, or personal loans into one manageable payment.
- Leverage LMI waivers if you’re a doctor, lawyer, accountant or other acceptable professional.
- Reduce your credit card limits.
- Apply for loans jointly with your spouse so that all your income can be used.
- Apply with a lender with favourable lending criteria for investors (Consider non-bank lenders for flexible entry).
- Use trusts strategically to manage debt and enhance capacity.
- Buy positively-geared investment properties.
- Work with lenders who will use a higher portion of your rental income when assessing serviceability.
At Home Loan Experts, we compare lenders based on how they calculate living expenses, interest rates and income types to maximise your borrowing power.
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
See what our clients have to say
Our third time using Home Loan Experts, this time for an investment property. They communicate really well, are responsive, and look after you long after settlement. Highly recommend, even more so if your situation is not typical. A+
We came to Home Loan Experts three years ago when we were in a rough patch and no major banks would lend to us. Our situation has significantly improved since then, but these guys saved us at least three years and helped us buy our first home and now an investment property. I will never stop recommending them!
Outstanding in assisting with multiple investment loans – Home Loan experts were exceptionally helpful in identifying a better investment loan rate and meeting my objectives to purchase another investment property. Nirayu and Shristika Thapa went out of their way to help me through the normally onerous task of refinancing. I can’t recommend them enough.
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Customised home loan solutions for you
Start achieving your property investment goals today. With our tailored loan solutions, you’ll have access to competitive rates and lenders that match your investment strategy.
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Tell us about your investment goals
Start by completing our quick online assessment form or call us at +61 2 9194 1700.
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Receive expert guidance
One of our home loan experts will contact you to assess your situation better.
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Achieve your property investment goals
We will find you lenders that suit your goals and needs.