January 2018’s cheapest investment home loan deals

Adam Smith 5 January 2018 NEWS

house hands ladyWith house prices getting more accessible and many investors leaving the market, now could be the perfect time to start building your property portfolio.

Details of the home loans featured on this page were correct for 5 January 2018. Check out all our cheapest loans here

The property market in Australia is well and truly off the boil at the moment, with capital city house prices declining 0.5% in the final quarter of 2017. In the midst of this decline, investors seem to be leaving the property market.

CoreLogic analysis from December pointed to figures from the Australian Prudential Regulation Authority (APRA) that showed a decline in the value of lending to investors. According to CoreLogic, the value of lending to investors fell by 9.1% over the September quarter to sit 6.6% lower than the previous year. The result was the lowest value of investor lending since the March 2016 quarter.

In spite of this, opportunities abound for savvy investors. With less competition in the market and stagnating house prices, now could be the time to begin building your property portfolio.

We’ve gathered the 7 cheapest investor home loans available through the finder.com.au database for the month of January. To ensure that the loans we picked would help the average investor, we applied the following criteria:

  • All loans have a minimum loan amount no greater than $250,000 and a maximum loan of $500,000 or higher.
  • All loans require a 20% deposit while some need even less (though you'll have to pay lender's mortgage insurance).
  • All loans are for investment purposes and exclude line of credit and construction loans.

Product information for all these loans is correct as of 5 January 2018.

You can check out the loans in the table below. While the property market may be cooling, the opportunities for savvy investors remain as hot as ever.

*Our cheapest investment home loans roundup is a monthly regular article that features the cheapest loans in finder's database. The rates and other information in this page are correct at the time of publication and are subject to change. There may be cheaper loans on the market than the ones listed here.The home loans in the table above were taken from finder.com.au's database on 5 January.

Want to compare more options? Check out all our investment property home loans

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2 Responses

  1. Default Gravatar
    知耕February 4, 2018

    My identity is “guardian reading”, hope to buy real estate (including first and second hand), can apply for a bank loan it?

    • Staff
      MayFebruary 23, 2018Staff

      Hi 知耕,

      Thanks for your inquiry. Just to confirm if your location is in China? If so, I’m afraid the home loans listed on our page are available to people in Australia only. You would be best to speak to a mortgage broker in your area who can consider your circumstance and help you find a range of lending options.

      Cheers,
      May

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