What you absolutely need to know about property investment

Whether you’re a seasoned property investor looking to extend your existing portfolio, or you’re new to the property investing scene - regardless of your experience level- we’ve got you covered.

For all things property investing, we’ve provided informative and relevant guides to help you increase your knowledge base and realise your property investing objectives.

Whether you want to learn more about investment strategies or how to research different markets, remain up to speed with the ‘bubble’ debate and recent trends, or you simply need someone to cut through the jargon and get your head around the concept of say, negative gearing - then you’ve come to the right place.

Savvy property investors, stay tuned.

Home buying 1

Beginners guide

Home buying step 1 teaser

What you need to know before you set foot on the property ladder.

home buying 2

Can I afford to invest?

Home buying step 2 teaser

Crunching the numbers to see if you can make property investment profitable for you.

home buying 3

Avoiding investor mistakes

Home buying step 3 teaser

How to steer clear of the common pitfalls investors fall prey to.

home buying 4

Top strategies

Home buying step 4 teaser

Whether it's renovating to flip or finding tenants, our guide lays out the different ways you can invest.

home buying 3

Investor home loans

Home buying step 3 teaser

Get your financing in order before you head to auction.

home buying 6

Time to sell?

Home buying step 6 teaser

The best exit strategies when it's time to cash in on your investment.

The latest property market and investment news

Read more news

Need an investment loan to refinance your next purchase?

Rates last updated November 19th, 2017.

loans.com.au Essentials - Variable (Investor, P&I)

Ineterest rate increases by 0.10%

August 1st, 2017

Australian Unity Wealth Builder Investor Home Loan - Variable, P&I

Comparative rate decreases by 0.10% | Interest rate decreases by 0.10%

August 3rd, 2017

IMB Essentials Home Loan - LVR <=70 (Investor Only, P&I)

Interest rate increased by 0.15%

September 20th, 2017

View latest updates

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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
loans.com.au Essentials - Smart Loan Package P&I
Package your owner-occupied loan with your investment loan and enjoy low rates for both.
3.89% 3.91% $0 $0 p.a. 80% Go to site More info
UBank UHomeLoan - 1 Year Fixed Rate (Investor)
Fix your interest rate and pay principal and interest repayments on your investment.
3.99% 4.62% $395 $0 p.a. 80% Go to site More info
Bank of Queensland Fixed Rate Home Loan - 2 Year Fixed Rate Discount Rate $150k+ <80% LVR (Investor, P&I)
A flexible, competitive fixed rate loan that allows for extra repayments.
3.85% 4.97% $300 $10 p.a. 95% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate (Investor with Investor Extra Offer P&I)
Investors can take advantage of a discounted standard variable rate.
4.09% 4.09% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Loan Variable Rate Home Loan
A low-fee variable rate investor loan with a fast online application process.
3.99% 4.00% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - Variable (Investor, P&I)
Pay no application fee on this low variable rate investment home loan.
4.09% 4.11% $0 $0 p.a. 80% Go to site More info
Australian Unity Wealth Builder Investor Home Loan - Variable, P&I
Borrow up to 90% LVR and pay no ongoing fees with this investment loan.
4.29% 4.32% $600 $0 p.a. 90% Go to site More info
ClickLoans The Online Investor Home Loan - LVR <80%
An investment home loan with competitive rate and 100% offset account.
4.14% 4.14% $0 $0 p.a. 80% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 1 Year Fixed
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
4.64% 4.01% $0 $0 p.a. 80% Go to site More info
State Custodians Low Rate LOC - LVR up to 80% (Investor, IO)
An interest-only loan for investors. Access equity to further your investment opportunities.
4.49% 4.52% $0 $0 p.a. 80% Go to site More info
Bank Of Queensland Economy Home Loan - Variable (Investor)
Get a competitive investment home loan rate without expensive features you may not need.
4.09% 4.25% $300 $10 monthly ($120 p.a.) 80% Go to site More info
NAB Choice Package Home Loan - 3 Year Fixed (Investor P&I)
Lock in the interest rate on your investment purchase for 3 years and enjoy the benefits of a package home loan.
4.14% 5.29% $0 $395 p.a. 95% Go to site More info
State Custodians Low Rate Home Loan with Offset - LVR 80% to 90% (Investor, P&I)
Access a fee-free offset account and a special interest rate for investors.
4.19% 4.22% $0 $0 p.a. 90% Go to site More info
Tic:Toc Invest Fixed Rate Loan - 2 Years Fixed
This fixed rate investor loan has limited fees and flexible repayment options. 100% online application process.
4.29% 4.05% $0 $0 p.a. 80% Go to site More info
NAB Tailored Fixed Rate Home Loan - 3 Years Fixed (Investor P&I)
Get a competitive 3-year fixed rate to buy your next investment property.
4.24% 5.50% $600 $8 monthly ($96 p.a.) 95% Go to site More info
3.99% 4.91% $300 $10 monthly ($120 p.a.) 80% Go to site More info
NAB Base Variable Rate Home Loan - Investor (P&I)
Save on a no-frills home loan that offers a competitive rate without the bells and whistles.
4.65% 4.69% $600 $8 monthly ($96 p.a.) 90% Go to site More info
IMB Essentials Home Loan - LVR <=70 (Investor Only, P&I)
A competitive home loan for investors.
4.83% 4.88% $445 $0 p.a. 80% Enquire now More info
NAB Choice Package Home Loan - 4 Year Fixed (Investor P&I)
Package your 4-year fixed rate investment loan and pay no application fees.
4.79% 5.44% $0 $395 p.a. 95% Go to site More info
ClickLoans The Online Investor Home Loan - LVR <70%
A competitive investment loan with a low rate that requires a 30% deposit.
3.98% 3.98% $0 $0 p.a. 70% Go to site More info
ING Fixed Rate Home Loan - 3 Year Fixed Rate (Investors)
Enjoy a competitive 3-year fixed rate with no ongoing fees.
4.39% 5.34% $499 $0 p.a. 95% Enquire now More info
St.George Fixed Rate Advantage Package - 3 Year Fixed (Investors, P&I)
Plan ahead by locking in your rate for 3-years on this investor loan. $1,500 cash back available for refinancers. Conditions apply.
4.19% 5.37% $0 $395 p.a. 95% Enquire now More info
ING Mortgage Simplifier Home Loan - $1M+ (LVR <=80% Investors, P&I)
A Simplifier Home Loan with no application fee or ongoing fee.
4.69% 4.71% $0 $0 p.a. 80% Enquire now More info
5.59% $0 $395 p.a. 90% Enquire now More info
Westpac Rocket Investment Loan - Principal and Interest
A competitive rate to help you purchase your next investment property.
5.79% 5.93% $600 $8 monthly ($96 p.a.) 95% Enquire now More info
Commonwealth Bank Wealth Package Fixed Home Loan - 2 Year Fixed (Investor) P&I
Enjoy a 2-year fixed rate with no establishment fees or annual credit card fees, all for an annual package fee of $395.
4.44% 5.53% $0 $395 p.a. 90% Enquire now More info
ANZ Breakfree Package Home Loan - 2 Year Fixed (Investor, P&I)
A competitive 2-year fixed rate to help you invest in property.
4.19% 5.47% $0 $395 p.a. 95% Enquire now More info
Gateway Credit Union Premium Package Home Loan - Variable LVR < 80% (Investor P&I)
A competitive package rate for loans above $150,000. Optional offset account.
4.28% 4.59% $0 $299 p.a. 80% Enquire now More info
4.69% 5.00% $0 $299 p.a. 80% Enquire now More info
Bank of Melbourne Advantage Package Home Loan - 5 Year Fixed (Investors, P&I)
Enjoy the stability of an investment home loan rate locked in for 5 years.
4.59% 5.37% $0 $395 p.a. 95% Enquire now More info
ING Orange Advantage Loan - $1M+ (LVR <=80% Investor, P&I)
A loan with no application fee and borrow up to 80% LVR.
4.54% 4.85% $0 $299 p.a. 80% Enquire now More info
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Rates last updated November 19th, 2017
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12 Responses

  1. Default Gravatar
    GenApril 28, 2017

    What are my financing options with a Skilled Migrant Visa? I understand the FIRB stipulation but wonder how to organize a mortgage as a US citizen. I’d like to purchase in QLD since my visa term is 5yrs. I do plan to eventually become an AU citizen. Thanks!! :D

    • Staff
      AnndyMay 4, 2017Staff

      Hi Gen,

      Thanks for your question.

      The home loan options being offered to temporary Australian residents are typical mortgage packages that would be available to Australian citizens or permanent residents. The main difference being the cap on the amount you are allowed to borrow and the down payment that is required. Depending on your job circumstances you may be able to qualify for up to 90% of the value of the property.

      You may compare your home loan options on this page.


  2. Default Gravatar
    hilMarch 29, 2016

    Is it possible to buy investment property and lease back to myself

    • Staff
      BelindaMarch 30, 2016Staff

      Hi Hil,

      Thanks for reaching out.

      I’ve sent you an email to follow up with this enquiry.


  3. Default Gravatar
    HermanJanuary 9, 2016

    Why are lending institutions reluctant or are outright against lending for properties relating to student accommodation properties when the return is approximately 10% p/a near Bond university? There the students keep their accommodation as they do not have long periods between semesters.

    • Staff
      MarcJanuary 11, 2016Staff

      Hi Herman,
      thanks for the question.

      Unfortunately lenders keep their lending criteria under wraps for the most part, but generally speaking some lenders view student accommodation as more of a risk because of its more limited usage when compared to a regular property. As always there are exceptions to this rule, so it’s always a good idea to speak to a mortgage broker, or at least approach more than one lender to see if you would be eligible for a loan.

      I hope this helps,

  4. Default Gravatar
    IreneAugust 19, 2014

    Is it always a bad idea to go with an investment property group to do everything for you?
    (eg. IPGA )

    • Staff
      MarcAugust 20, 2014Staff

      Hi Irene,
      thanks for the question.

      This depends on a range of factors. Using an investment property group which is reputable and proven to deliver results can be a good way to enter in the market if you’re unsure of the process and not confident purchasing a property yourself. I’d recommend contacting a qualified financial advisor before joining any investment property group.

      I hope this helps,

  5. Default Gravatar
    VivienJune 25, 2014

    Hi, can you tell me what is required to add your partner name to a title deed. Thank you Vivien

    • Staff
      ElizabethJune 26, 2014Staff

      Hi Vivien,

      Thanks for your question.

      You might want to check out our page on adding your partner’s name to a title deed, which you can do by clicking here.



  6. Default Gravatar
    BellaroNovember 27, 2013

    Are you able to get a home loan in Australia for a Property in the UK? I live and work in Australia and have the opportunity to make a huge profit on a property in the UK.

    • Staff
      MarcNovember 28, 2013Staff

      Hello Bellaro,
      thanks for the question.

      An Australian lender won’t generally finance a property in another country. The other options you could consider would be using a line of credit obtained in Australia to finance it, or seeking finance in the country you wish to invest in. I’d strongly suggest speaking to a trusted financial advisor before carrying out any of these. Here’s some more information about investing in the UK.


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