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Compare interest-only investment loan rates

An interest-only investment loan lets property investors keep their costs low in the short term while maximising tax-deductible expenses. With the right strategy, it's a powerful investment tool.

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1 - 20 of 20
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Easy Street logo
Interest only5% min. depositInvestmentOffset account
Easy Street logo
Interest only5% min. depositInvestmentOffset account
Product NameEasy Street Smart Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.49%
Comp. Rate p.a.6.27%
Minimum Loan Amount$50,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.49%
Comparison Rate
6.27%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$2,844
ING logo
Interest only20% min. depositInvestment$150,000+
ING logo
Interest only20% min. depositInvestment$150,000+
Product NameING Mortgage Simplifier Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.54%
Comp. Rate p.a.6.42%
Minimum Loan Amount$150,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.54%
Comparison Rate
6.42%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,859
Horizon Bank logo
Interest only 5Y Fixed5% min. depositInvestmentOffset account
Horizon Bank logo
Interest only 5Y Fixed5% min. depositInvestmentOffset account
Product NameHorizon Bank Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.24%
Comp. Rate p.a.6.72%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.24%
Comparison Rate
6.72%
Fees
Application: $350
Ongoing: $0 p.a.
Monthly Payment
$2,771
P&N Bank logo
Interest only30% min. depositInvestment
P&N Bank logo
Interest only30% min. depositInvestment
Product NameP&N Bank & Basic Home Loan
Interest Rate TypeVariable rate
Repayment Type Interest Only
Interest Rate p.a.6.59%
Comp. Rate p.a.6.40%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.59%
Comparison Rate
6.40%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,874
Greater Bank logo
Finder Award
Interest only 3Y Fixed10% min. depositInvestment
Greater Bank logo
Finder AwardInterest only 3Y Fixed10% min. depositInvestment
Product NameGreater Bank Great Rate Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.7.58%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
7.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,698
QBank logo
Interest only 3Y Fixed5% min. depositInvestment
QBank logo
Interest only 3Y Fixed5% min. depositInvestment
Product NameQBANK Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.7.78%
Minimum Loan Amount$50,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
7.78%
Fees
Application: $700
Ongoing: $0 p.a.
Monthly Payment
$2,698
BOQ logo
Interest only 3Y Fixed10% min. depositInvestment
BOQ logo
Interest only 3Y Fixed10% min. depositInvestment
Product NameBank of Queensland Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.89%
Comp. Rate p.a.6.51%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.89%
Comparison Rate
6.51%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,669
ANZ logo
Interest only 2Y Fixed20% min. depositInvestment
ANZ logo
Interest only 2Y Fixed20% min. depositInvestment
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.29%
Comp. Rate p.a.7.53%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.29%
Comparison Rate
7.53%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,786
Australian Mutual Bank logo
Interest only 5Y Fixed5% min. depositInvestment
Australian Mutual Bank logo
Interest only 5Y Fixed5% min. depositInvestment
Product NameAustralian Mutual Bank Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.6.39%
Comp. Rate p.a.6.87%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.39%
Comparison Rate
6.87%
Fees
Application: $250
Ongoing: $0 p.a.
Monthly Payment
$2,815
Horizon Bank logo
Interest only 3Y Fixed5% min. depositInvestmentOffset account
Horizon Bank logo
Interest only 3Y Fixed5% min. depositInvestmentOffset account
Product NameHorizon Bank Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.6.88%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,000,000
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6.88%
Fees
Application: $350
Ongoing: $0 p.a.
Monthly Payment
$2,698
St.George Bank logo
Interest only30% min. depositInvestment
St.George Bank logo
Interest only30% min. depositInvestment
Product NameSt.George Basic Variable Rate Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.89%
Comp. Rate p.a.6.90%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.89%
Comparison Rate
6.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$2,964
ANZ logo
Interest only 2Y Fixed10% min. depositInvestment
ANZ logo
Interest only 2Y Fixed10% min. depositInvestment
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.34%
Comp. Rate p.a.7.69%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.34%
Comparison Rate
7.69%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,800
Australian Mutual Bank logo
Interest only 2Y Fixed5% min. depositInvestment
Australian Mutual Bank logo
Interest only 2Y Fixed5% min. depositInvestment
Product NameAustralian Mutual Bank Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.6.93%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6.93%
Fees
Application: $250
Ongoing: $0 p.a.
Monthly Payment
$2,698
Commonwealth Bank logo
Interest only10% min. depositInvestmentOffset account
Commonwealth Bank logo
Interest only10% min. depositInvestmentOffset account
Product NameCommonwealth Bank Wealth Package
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.7.30%
Comp. Rate p.a.7.50%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
7.30%
Comparison Rate
7.50%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,088
ING logo
Interest only 3Y Fixed5% min. depositInvestment
ING logo
Interest only 3Y Fixed5% min. depositInvestment
Product NameING Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.6.23%
Minimum Loan Amount$50,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6.23%
Fees
Application: $499
Ongoing: $0 p.a.
Monthly Payment
$2,698
Commonwealth Bank logo
Interest only 1Y Fixed10% min. depositInvestment
Commonwealth Bank logo
Interest only 1Y Fixed10% min. depositInvestment
Product NameCommonwealth Bank Wealth Package Fixed Home Loan
Interest Rate Type
Repayment Type Interest Only
Interest Rate p.a.6.64%
Comp. Rate p.a.8.80%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.64%
Comparison Rate
8.80%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$2,889
ANZ logo
Interest only 3Y Fixed10% min. depositInvestment
ANZ logo
Interest only 3Y Fixed10% min. depositInvestment
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.34%
Comp. Rate p.a.7.55%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.34%
Comparison Rate
7.55%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,800
St.George Bank logo
Interest only 1Y Fixed10% min. depositInvestment
St.George Bank logo
Interest only 1Y Fixed10% min. depositInvestment
Product NameSt.George Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Interest Only
Interest Rate p.a.6.99%
Comp. Rate p.a.9.74%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.99%
Comparison Rate
9.74%
Fees
Application: $600
Ongoing: $8 per month
Monthly Payment
$2,994
ING logo
Interest only20% min. depositInvestmentOffset account$150,000+
ING logo
Interest only20% min. depositInvestmentOffset account$150,000+
Product NameING Orange Advantage Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.54%
Comp. Rate p.a.6.66%
Minimum Loan Amount$150,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
Interest Rate
6.54%
Comparison Rate
6.66%
Fees
Application: $0
Ongoing: $299 p.a.
Monthly Payment
$2,859
ANZ logo
Interest only 3Y Fixed20% min. depositInvestment
ANZ logo
Interest only 3Y Fixed20% min. depositInvestment
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Interest Only
Interest Rate p.a.6.29%
Comp. Rate p.a.7.39%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.29%
Comparison Rate
7.39%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$2,786
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What is an interest-only investment loan?

Investors can use investment loans to borrow money to purchase investment properties. Like other mortgages, the typical structure of a loan requires the borrower to pay back the money (the principal) plus interest charges at the same time. These are principal-and-interest loans.

But interest-only loans allow borrowers to delay repaying the principal for a set period. This results in lower repayments upfront but higher repayments later.

What are the benefits of interest-only investment loans?

Interest-only mortgages are popular with Australian property investors despite being more expensive than principal-and-interest loans. Used correctly, these loans let property investors maximise their tax-deductible interest costs or take a temporary break from making full repayments in an emergency.

Some ambitious investors even use these loans to hold investments cheaply for a few years and then flip them for a fast profit.

Interest payments are tax-deductible

Australian property investors have a tax advantage that home buyers don't. Interest on an investment home loan is tax deductible.

At the end of the financial year, you can deduct all of the interest you've paid on your investment property (along with a number of other tax-deductible property expenses) over the past 12 months.

Let's say you end up spending $20,000 on property expenses such as repairs, council rates and interest charges on the loan.

Over the same time, you've had a rental income of $16,000. Because your investment has cost you more than you made (to the tune of $4,000), you can deduct the loss from your taxable income.

Confused face emoji
Losing money on your investment is bad, right?
Ultimately, you want your investment to be profitable. But if your losses are tax deductible you can minimise a short-term loss through a smaller tax bill. This is called negative gearing.

You can cut your short-term costs

If you own an investment property and want to hold it for a long time and get income from rent, interest-only repayments are not a long-term solution.

But what if you've lost your job, or your property is under repair and has no tenants paying you rent? Switching to cheaper interest-only repayments can be a lifesaver when you're short on cash.

Here's a simple example. Let's say you've borrowed $600,000 over 30 years with a rate of 5.09%.

  • Principal-and-interest repayments = $3,255 a month
  • Interest-only repayments = $2,545 a month

It will cost you more over the life of the loan, but switching to interest-only repayments would save you $710 a month. In an emergency, that's pretty helpful.

Chasing a high-growth investment strategy

This is a riskier interest-only strategy. Let's say you buy an investment property in a booming market.

Your goal is to hold the property for just a few years, watch it (hopefully) grow in value, minimise your costs in the short term and then sell for a profit.

This is where you want an interest-only investment loan. You don't care about paying the loan off. You want to surf the wave of rising prices and jump off quickly. It's high-risk, high reward.

Example: high-growth investing with an interest-only mortgage

Let's assume you bought a $700,000 investment property in a booming market. You had a 20% deposit, or $140,000. Your loan principal is $560,000.

Assuming a 30-year loan and an interest rate of 5.09%, your monthly repayments on an interest-only loan would be $2,376.

Now let's assume the investment grows in value at 7% per year* for 4 years. You can sell the property for $917,000.

And in those 4 years, you haven't paid off the loan at all. You've paid $114,048 in interest. Accounting for the original value and the interest paid, you still come out over $100,000 ahead.

*There are many assumptions in this hypothetical example. Future growth is never guaranteed and this simplified example doesn't include your selling costs, stamp duty, capital gains tax or rental income.

Need expert help? Contact a mortgage broker

What are the risks of interest-only loans?

It's a good idea to consider the risk or negatives when making any financial decision. Then you're able to balance out the pros with the cons to make the right decision for you.

  • Higher interest rates. Lenders charge higher rates for interest-only loans, and even higher rates when these are also investment loans. The lowest rates on the market are always principal-and-interest loans. When your loan reverts to a principal-and-interest loan, make sure you get a lower rate too.
  • You won't reduce your debt during the interest-only period. At the end of the interest-only period, you'll still owe the same amount you borrowed. For instance, if you borrow $500,000 on an interest-only loan, 2 years later, you'll still owe $500,000 on that loan. And if your property doesn't grow in value, you won't have built much equity in your home because your debt hasn't changed.
  • You pay more interest. By avoiding paying off the loan principal during the interest-only period you just end up paying more interest in the long run. You still have to pay off the loan. But by delaying the full repayments your lender gets an opportunity to charge you more interest (at a higher rate too).

How do I compare interest-only investment loans?

When comparing interest-only mortgages for investment, you need to consider these factors:

Percentage sign

Interest rate

A lower rate means lower repayments. It's one of the fastest ways to compare mortgages. If 2 loans are equal in all other respects (fees, features, eligibility criteria), the one with the lowest rate is better for you.

Hand holding a cog

Loan features

Having an offset account lets you use additional savings to reduce your interest payments even further.

Investors can really take advantage of offset accounts by building up savings and reducing their loans while still maximising their tax-deductible expenses.

Two arrows intersecting

Flexibility

A loan with low fees (especially discharge and switching fees) makes it easier to refinance your mortgage when the interest-only period ends. And why pay more in fees when you can avoid it?

Use a repayment calculator

Use a loan repayment calculator to find out what your repayments will be if you choose an interest-only home loan. Then run the same calculations for principal-and-interest repayments, so you can see what your repayments will be once the interest-only period ends.

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2 Responses

    Default Gravatar
    AnnaNovember 8, 2022

    Hi
    Can I convert my current home loan (owner occupied) to an investment Interest repayment only?
    What are the procedures?
    Thanks

      AvatarFinder
      RebeccaNovember 11, 2022Finder

      Hi,

      Yes, if you are now using your property as an investment property you will need to switch your loan to an investment loan. Talk to your lender about whether they can switch you over, or take a look at other lenders you could refinance your loan to.

      Thanks,
      Rebecca

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