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Not sure where to turn for your home loan?
Aussie Home Loans can help you sort through overwhelming jargon and find the right home loan from thousands of products.
With an extensive broker network across the country, you'll be given a dedicated mortgage broker to walk you through the entire journey from saving your deposit to refinancing your home loan over the years to come.
The average property investor now takes out a loan of $685,634 to fund their investment, according to ABS lending figures.
And while interest rates are still high across the board, several lenders are offering very competitive rates for investors.
Here are 5 of the best investment loans for December 2025, based on their Finder Scores:
An investment loan is a loan you can use to purchase an investment property. That is, a property you intend to rent out. Investment loans have higher interest rates than owner-occupier loans because lenders view investors as riskier borrowers.
Investors can choose fixed or variable repayments. Variable rate loans are easier to pay off faster or refinance without an exit fee.
But a fixed rate loan lets you lock in an interest rate and forget about rates rising. There's also the option of splitting your loan into fixed and variable portions.
Most owner-occupier borrowers choose principal-and-interest repayments. You borrow money and pay it back, plus interest. Investors can do this too. But they have another option.
Interest-only investment loans start with very low repayments because you're just paying the interest charges. These loans cost you more in the long run. But they let investors maximise their tax-deductible debts in the short term.
As an investor, most expenses related to owning and maintaining your investment property are tax-deductible.
This includes your loan fees and your loan interest charges. If your investment costs you more than it generates in rent, you can offset the cost by reducing your tax bill.
| Feature | Investor loans | Owner occupier loans |
|---|---|---|
| Purpose | You have to use the loan to purchase an investment property, not your place of residence. | You need to live in the property you're buying. |
| Deposit | It's not impossible to get an investment loan with a 5% deposit, but you'll have an easier time if you've saved between 10 and 20%. | You can get a home loan with as little as a 5% deposit (plus LMI). |
| Interest rate | Interest rates are (almost) always at least 10 to 20 basis points higher than a comparable owner-occupier rate (sometimes more). | Owner-occupier loans have the lowest rates on the market compared to investment loans. But you should still compare your options. |
| Loan approval | Lenders have stricter eligibility requirements for investors. A lender may require a higher income or restrict how much you can borrow. | An owner-occupier loan is generally easier to get approved for. But your income, spending habits and the property you're buying still matter. |
| Tax deductions | Any loan fees, interest charges and other borrowing costs are tax-deductible (but not stamp duty). | Your loan costs are not tax-deductible as a homeowner (sorry!). |
| Features | Investor loans can come with all the same features other home loans have, like offset accounts and redraw facilities. | Many owner-occupier loans come with offset accounts, and almost all variable rate loans let you make extra repayments and redraw them. |
Here's a simple example of how the interest rate affects your loan repayments each month and the total interest you pay over 30 years.
| Loan amount | Interest rate | Monthly repayment | Interest over 30 years |
|---|---|---|---|
| $600,000 | 6.00% | $3,598 | $695,030 |
| $600,000 | 6.25% | $3,695 | $729,950 |
| $600,000 | 6.50% | $3,793 | $765,267 |
| $600,000 | 6.75% | $3,892 | $800,972 |
| $600,000 | 7.00% | $3,992 | $837,054 |
These calculations don't take loan fees or extra repayments into account and assume that the interest rate doesn't change over 30 years.
Lenders treat investment properties as higher-risk purchases, which means it can be more complicated to get an investment loan approved.
Here are 6 tips to make your investment loan application a success:
A 20% deposit is a big ask, but it makes you a less risky borrower (and lets you save on LMI).
A quick check of your credit score is always a good idea. Sometimes there are red flags or errors you might not have noticed. If it's not in great shape, it's time to start improving it.
Cutting back on unnecessary purchases in the 3 months leading up to your application boosts your chances of approval.
Every lender has different eligibility criteria. Some may be stricter when lending to investors.
If the property you're buying looks like a riskier investment due to its size, property type or location, the lender might reject your application.
A qualified broker can help match you up with a bank or lender whose policies and criteria best suit your personal situation.
"My mortgage broker suggested I go on an interest only investment property loan as it would keep down the costs, and the interest can be claimed at tax time."
Property investment can be both risky and rewarding. Here are some of the potential risks and benefits you should think about:
"Common wisdom is to opt for an interest-only investment loan so you maximise your tax deductions. And it's a sound approach. The only exception is if you have already paid off the mortgage on your own home. This is not tax-deductible. At that stage, consider going principal and interest and throwing all the money you can at that investment loan to create a debt-free source of income in retirement."
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
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