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Finder makes money from featured partners, but editorial opinions are our own.

Investment home loan rates – grab a cheap ticket to landlord town

Pay less with a better investment loan, spend more time tracking the property valuation.

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1 - 16 of 169
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Macquarie Bank logo
Principal & Interest30% min. depositInvestmentOffset account
Macquarie Bank logo
Principal & Interest30% min. depositInvestmentOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.59%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.9
Interest Rate
6.34%
Comparison Rate
6.59%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,422
Go to site
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Unloan logo
Principal & Interest20% min. depositInvestmentRefinance Only
Go to site
Product NameUnloan Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.20%
Minimum Loan Amount$10,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
9.1
Interest Rate
6.29%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,404
Go to site
loans.com.au logo
Principal & Interest10% min. depositInvestment
loans.com.au logo
Principal & Interest10% min. depositInvestment
Go to site
Product Nameloans.com.au Variable Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
8.5
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,422
Go to site
Macquarie Bank logo
Principal & Interest40% min. depositInvestmentOffset account
Macquarie Bank logo
Principal & Interest40% min. depositInvestmentOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.59%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.9
Interest Rate
6.34%
Comparison Rate
6.59%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,422
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositInvestment
Macquarie Bank logo
Principal & Interest 3Y Fixed30% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.55%
Comp. Rate p.a.6.42%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
7.6
Interest Rate
6.55%
Comparison Rate
6.42%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,498
Go to site
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
loans.com.au logo
Principal & Interest10% min. depositInvestmentOffset account
Go to site
Product Nameloans.com.au Solar Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.58%
Minimum Loan Amount$50,000
Maximum Loan Amount $1,500,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest Option
Loan Portable
Extra Repayments Yes
Finder score
9.2
Interest Rate
6.19%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,369
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositInvestmentOffset account
Macquarie Bank logo
Principal & Interest20% min. depositInvestmentOffset account
Go to site
Product NameMacquarie Bank Offset Home Loan Package
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.45%
Comp. Rate p.a.6.70%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
8.8
Interest Rate
6.45%
Comparison Rate
6.70%
Fees
Application: $0
Ongoing: $248 p.a.
Monthly Payment
$3,462
Go to site
Macquarie Bank logo
Principal & Interest40% min. depositInvestment
Macquarie Bank logo
Principal & Interest40% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.34%
Comp. Rate p.a.6.36%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.5
Interest Rate
6.34%
Comparison Rate
6.36%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,422
Go to site
Macquarie Bank logo
Principal & Interest20% min. depositInvestment
Macquarie Bank logo
Principal & Interest20% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.45%
Comp. Rate p.a.6.48%
Minimum Loan Amount$150,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
8.3
Interest Rate
6.45%
Comparison Rate
6.48%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,462
Go to site
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Macquarie Bank logo
Principal & Interest 3Y Fixed20% min. depositInvestment
Go to site
Product NameMacquarie Bank Basic Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.65%
Comp. Rate p.a.6.53%
Minimum Loan Amount$150,000
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
7.5
Interest Rate
6.65%
Comparison Rate
6.53%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,534
Go to site
Greater Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
Greater Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
Product NameGreater Bank Great Rate Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.89%
Comp. Rate p.a.7.55%
Minimum Loan Amount$0
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
8.6
Interest Rate
5.89%
Comparison Rate
7.55%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,263
AMP Bank logo
Principal & Interest 2Y Fixed20% min. depositInvestment
AMP Bank logo
Principal & Interest 2Y Fixed20% min. depositInvestment
Product NameAMP Bank Professional Package Fixed Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.7.10%
Minimum Loan Amount$100,000
Maximum Loan Amount $2,000,000
Maximum Loan Term5 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Finder score
8.2
Interest Rate
6.09%
Comparison Rate
7.10%
Fees
Application: $0
Ongoing: $349 p.a.
Monthly Payment
$3,333
More Info
Horizon Bank logo
Principal & Interest 3Y Fixed5% min. depositInvestmentOffset account
Horizon Bank logo
Principal & Interest 3Y Fixed5% min. depositInvestmentOffset account
Product NameHorizon Bank Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
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
9
Interest Rate
5.94%
Comparison Rate
6.72%
Fees
Application: $350
Ongoing: $0 p.a.
Monthly Payment
$3,280
RACQ Bank logo
Principal & InterestInterest only 3Y Fixed30% min. depositInvestment
RACQ Bank logo
Principal & InterestInterest only 3Y Fixed30% min. depositInvestment
Product NameRACQ Bank Investment Fixed
Interest Rate TypeFixed rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.99%
Comp. Rate p.a.6.73%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Finder score
8.1
Interest Rate
5.99%
Comparison Rate
6.73%
Fees
Application: $900
Ongoing: $0 p.a.
Monthly Payment
$3,298
G&C Mutual Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
G&C Mutual Bank logo
Principal & Interest 3Y Fixed10% min. depositInvestment
Product NameG&C Mutual Bank Fixed Rate Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.05%
Comp. Rate p.a.6.11%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Up to 5% of the loan balance per annum
Finder score
8.3
Interest Rate
6.05%
Comparison Rate
6.11%
Fees
Application: $500
Ongoing: $0 p.a.
Monthly Payment
$3,319
Newcastle Permanent logo
Principal & Interest 2Y Fixed20% min. depositInvestment
Newcastle Permanent logo
Principal & Interest 2Y Fixed20% min. depositInvestment
Product NameNewcastle Permanent Premium Plus Package Fixed Rate
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.8.04%
Minimum Loan Amount$0
Maximum Loan Amount N/A
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
8.4
Interest Rate
6.09%
Comparison Rate
8.04%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,333
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Showing 16 of 169 results

The best investment loans for July 2024

The average property investor now takes out a loan of $598,677 to fund their investment, according to ABS lending figures. That's a record high.

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 July, based on their Finder Scores:

  • Easy Street Smart Variable Home Loan has a Finder Score of 9.4. It has a 6.04% interest rate for investors (comparison rate 6.09%).
  • Police Credit Union Better Home Loan has a Finder Score of 9.2. It has a 6.19% interest rate for investors (comparison rate 6.19%).
  • loans.com.au Solar Home Loan has a Finder Score of 9.2. It has a 6.19% interest rate for investors (comparison rate 6.58%).
  • Bendigo Bank Express Variable Home Loan has a Finder Score of 9. It has a 6.29% interest rate for investors (comparison rate 6.42%).
  • Unloan Variable Home Loan has a Finder Score of 9.1. It has a 6.29% interest rate for investors (comparison rate 6.2%).
Rebecca Pike
Market update by Rebecca Pike – Finder's senior home loans writer

The lowdown on Finder Score

  • 9+ Excellent - These investment home loans offer low costs, coupled with a host of features, giving the best overall value.
  • 7+ Great - These home loans may have slightly higher interest rates or fewer features but overall, a competitive offering
  • 5+ Satisfactory - Usually the home loans would offer above average rates. They may still include some competitive features.
  • Less than 5 – Basic - Higher costs and/or fewer features.

Tell me more about the investment home loan score

The Finder Score is an easy, data-driven way to judge home loans at a glance. To create the score, our insights team analyses more than 7,000 home loans across 120+ lenders.

When it comes to scoring investment loans, we only compare the loans in our database which are available for investors. They encompass variable rate loans, fixed rate loans, principal and interest loans, and interest-only loans. We assess the most important features in the loans, rate them, and then combine them via a weighted methodology to create a simple score out of 10.

The Finder Score is designed by our insights and editorial team. We score home loans objectively, Finder's commercial partnerships don't affect the scores at all.

While the Finder Score hopes to help you with your financial decision-making, the right product may be different for your circumstances.

Each home loan is put into a group with other loans of its type. Each product can only be put into 1 of 12 groups and are then compared with other products in that grouping.

  • The nitty gritty: how Finder Score is calculated

    The Finder Score examines the costs and features of each home loan. These are combined to create the final score.

    Cost Components (85% of overall score)Features Component (15% of overall score)
    Upfront FeesExtra Repayments and Redraw
    Interest costsFull and Partial Offsets
    Monthly/ Annual FeesLoyalty Discounts
    Cashbacks
    Frequent Flyers Points

    The cost of the home loan makes up 85% of the score. The other 15% is made up of features that come with the home loan.

    What are investment loans?

    An investment loan is a loan you can use to purchase an investment property. Investment loans have higher interest rates than owner-occupier loans because lenders view investors as riskier borrowers.

    Investment loans: Basic facts

    Rate

    Fixed or variable rates

    Investors can choose fixed or variable repayments. Variable rate loans are easier to pay off faster or refinance without an exit fee and are currently lower than fixed rate loans.

    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.

    Thinking

    Interest-only repayments

    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.

    House

    Tax deductions

    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.

    Investor loans versus owner-occupier loans

    Investor loans
    • Purpose. You have to use the loan to purchase an investment property, not your place of residence.
    • 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%.
    • Interest rate. Interest rates are (almost) always at least 10 to 20 basis points higher than a comparable owner-occupier rate (sometimes more).
    • Loan approval. Lenders have stricter eligibility requirements for investors. A lender may require a higher income or restrict how much you can borrow.
    • Tax deductions. Any loan fees, interest charges and other borrowing costs are tax-deductible (but not stamp duty).
    • Features. Investor loans can come with all the same features other home loans have, like offset accounts and redraw facilities.
    Owner-occupier loans
    • Purpose. You need to live in the property you're buying.
    • Deposit. You can get a home loan with as little as a 5% deposit (plus LMI).
    • Interest rate. Owner-occupier loans have the lowest rates on the market compared to investment loans. But you should still compare your options.
    • Loan approval. 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. Your loan costs are not tax-deductible as a homeowner (sorry!).
    • Features. Many owner-occupier loans come with offset accounts, and almost all variable rate loans let you make extra repayments and redraw them.

    How do I compare investment loans?

    • Interest rate: A lower interest rate means lower loan repayments.
    • Fees: Take a look at fees that might come with the loan. Avoiding fees can make your loan cheaper.
    • Loan features: Mortgage features like an offset account can help you build up savings while reducing your interest charges. Offset accounts can be very helpful for investors planning to convert their home into an investment later.
    • LVR: Loan to value ratio (LVR) is the amount you can borrow relative to the value of your investment property. If you have a smaller deposit, compare which lenders allow high LVRs. But remember, the smaller your deposit, the more you have to borrow and the higher your costs will be.
    • Borrowing capacity: Every lender has different lending criteria. Compare lenders to get an estimate of your borrowing power before deciding on a particular loan or lender.

    Costs of a $600,000 investment loan depending on the rate

    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 amountInterest rateMonthly repaymentInterest over 30 years
    $600,0006.00%$3,598$695,030
    $600,0006.25%$3,695$729,950
    $600,0006.50%$3,793$765,267
    $600,0006.75%$3,892$800,972
    $600,0007.00%$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.

    How do I apply for an investment property loan?

    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:

    1. Save a bigger deposit.

    A 20% deposit is a big ask, but it makes you a less risky borrower (and lets you save on LMI).

    2. Check your credit score.

    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.

    3. Trim your spending.

    Cutting back on unnecessary purchases in the 3 months leading up to your application boosts your chances of approval.

    4. Compare loans and lenders.

    Every lender has different eligibility criteria. Some may be stricter when lending to investors.

    5. Choose your property carefully.

    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.

    6. Talk to a mortgage broker.

    A qualified broker can help match you up with a bank or lender whose policies and criteria best suit your personal situation.

    Matt Corke

    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.
    — Matt Corke, Head of Publishing Ventures

    Risks and benefits of investing in property

    Property investment can be both risky and rewarding. Here are some of the potential risks and benefits you should think about:

    Benefits

    • Rental income. You can earn rental income that puts cash in your pocket right away.
    • Capital gain. If you hold the property for a long time, it could grow in value significantly.
    • Tax and depreciation benefits. You can deduct investment loan interest charges and other investment costs from your income tax each month, making the cost of owning a property far more affordable.
    • The potential to add value. Unlike shares or other investments, you may be able to increase your investment's value through renovations.

    Risks

    • Purchase costs. There are also many upfront costs for investors, including lenders mortgage insurance (LMI), stamp duty, building and pest inspections, conveyancing and legal charges.
    • Ongoing costs. There are many ongoing costs such as repairs, strata fees and council rates.
    • Managing tenants. Being a landlord means dealing with the tenants in the property.
    • Illiquid asset. It can take months to sell an investment property if you need to generate cash.

    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.

    Nicole Pedersen-McKinnon

    Nicole Pedersen-McKinnon
    Freelance finance journalist

    How do you build wealth through property investing?

    Investing in property allows Australians to build wealth in 2 ways:

    1. Rental income each month.
    2. Capital gains as the property's value grows over time.

    Many investors ideally want to purchase properties that offer a consistent rental income and grow in value over time.

    Some investors add value to a property by renovating, extending, or sub-dividing.

    A game of finance with some houses

    Investors in Australia have a big tax advantage: negative gearing. Even if your investment costs outweigh the rental returns in a financial year, you can use the loss to shrink your tax bill.

    "Property investment is a game of finance with some houses thrown in the middle," Metropole Property Strategists founder and CEO Michael Yardney said.

    "Strategic investors don't use finance to buy properties, they set up their finance to buy the time to ride the ups and downs of the property cycle so their investment properties can increase in value, giving them the equity and cash flow to buy further properties."

    Why you can trust Finder's home loan experts

    freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees. Guaranteed.
    expert adviceYou save time. We spend 100s of hours researching home loans so you can sort the gold from the junk faster.
    independentYou compare more. Our comparison tools bring you cheaper, better home loans from across the market.

    Frequently asked questions

    We put every effort into ensuring information on Finder is accurate. This article was reviewed by John Pidgeon from our Editorial Review Board as part of our fact checking process.

    Sarah Megginson's headshot
    John Pidgeon's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Sarah Megginson and reviewed by John Pidgeon, a member of Finder's Editorial Review Board.
    Rebecca Pike's headshot
    Written by

    Senior writer

    Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio

    Rebecca's expertise
    Rebecca has written 189 Finder guides across topics including:
    • Home loans
    • Cost of living
    • Budgeting

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