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

Crunch the numbers to see if property investment is profitable for you.

home buying 3

Mistakes to avoid


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 finance your next purchase?

Rates last updated April 21st, 2018
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).
3.89%
3.92%
$0
$0 p.a.
80%
This investment loan keeps fees low, has a sharp interest rate and comes with a 100% offset account.
3.99%
5.17%
$600
$0 p.a.
90%
Competitive rates for fixed for 3 years with redraw facility.
3.89%
3.95%
$600
$0 p.a.
95%
Borrow up to 95% LVR with no ongoing fee.
4.19%
4.21%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
3.88%
3.88%
$0
$0 p.a.
70%
You'll need at least a 30% deposit to get this low investor rate. 100% online application process.
4.19%
4.21%
$0
$0 p.a.
80%
A simple, variable rate investor loan from an online lender that keeps fees to a minimum.
4.15%
4.76%
$600
$0 p.a.
90%
A competitive rate with no ongoing fee and borrow up to 90% LVR.
3.99%
4.62%
$395
$0 p.a.
80%
Investors can enjoy flexible repayments and an easy application process with this pioneering online lender.
4.29%
4.34%
$445
$0 p.a.
80%
Variable investment loan with 100% offset account. Face-to-face consultations available for NSW and ACT customers.
3.79%
3.80%
$0
$0 p.a.
80%
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
4.50%
4.82%
$600
$0 p.a.
90%
A variable interest-only loan to fund your investment. Get this loan with a 10% deposit.
4.09%
5.28%
$0
$395 p.a.
90%
Lock in a competitive investment rate and combine your loan with a credit card and transaction account for extra savings. Package fee applies.
3.99%
4.93%
$0
$0 p.a.
95%
A low deposit investment loan with a discounted, competitive rate from one of the big 4 banks.
4.29%
4.21%
$0
$0 p.a.
80%
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
4.09%
4.49%
$0
$395 p.a.
90%
Enjoy all the benefits of a full-featured package investment loan, including a 100% offset account.
4.14%
4.14%
$0
$0 p.a.
80%
Investors pay no application or ongoing fees on this loan from an innovative online lender.
4.09%
4.12%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
4.19%
5.49%
$600
$8 monthly ($96 p.a.)
90%
Lock in your investment repayments for 3 years with one of the big 4 banks. Available with a 5% deposit.
4.14%
4.17%
$0
$0 p.a.
80%
Investors can easily access their equity using BPAY, a debit Master Card or cheque book with this interest-only line of credit.
4.19%
4.20%
$0
$0 p.a.
80%
A variable interest-only loan for investment. Fast application, low fees, optional offset account. 100% online lender..
3.89%
3.91%
$0
$0 p.a.
80%
Borrow up to $2 million with this low investor rate. To get this discounted rate you must package the loan with your owner-occupier mortgage.
4.11%
3.83%
$0
$0 p.a.
80%
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
3.99%
4.02%
$0
$0 p.a.
80%
Investors can enjoy flexible repayment options and pay no application or ongoing fees.
4.65%
4.69%
$600
$8 monthly ($96 p.a.)
90%
You can get this variable investment product with a 10% deposit. The loan has limited fees.
4.19%
3.87%
$0
$0 p.a.
80%
Lock in your investment interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.
4.55%
5.39%
$499
$0 p.a.
95%
Fix your investment mortgage repayments for 3 years. Available for investors with just a 5% deposit.
4.29%
4.17%
$0
$0 p.a.
80%
A simplified fixed mortgage product for investors borrowing up to $750,000. The loan also has very few fees.
4.29%
5.39%
$0
$395 p.a.
95%
Enjoy advantage package discounts on financial products on this investor mortgage. $1,500 cashback offered to refinancers. Conditions apply.
4.79%
5.44%
$0
$395 p.a.
90%
Pay off your investment knowing your exact repayments for the first 4 years. Get this loan with a 10% deposit.
4.29%
4.31%
$0
$0 p.a.
80%
A variable rate loan for investment. Suitable for customers borrowing $1 million or more to buy a property.
5.59%
$0
$395 p.a.
90%
Make interest-only repayments and unlock equity in your home. Combine your mortgage, credit card and transaction account for discounts.
5.79%
5.93%
$600
$8 monthly ($96 p.a.)
95%
Purchase an investment property with a variable rate mortgage from one of the big 4 banks. No settlement fee.
4.09%
5.46%
$0
$395 p.a.
90%
Get 5-15% discounts on insurance products with this package investment loan from CommBank. Available with a 10% deposit.
4.19%
5.47%
$0
$395 p.a.
95%
Fund your investment with a low deposit package loan from ANZ. Bundle your loan with credit card and bank account for discounts.
4.54%
4.85%
$0
$299 p.a.
80%
Borrow $1 million or more and maximise your investment strategy with this interest-only mortgage.
4.89%
5.50%
$0
$395 p.a.
95%
A low deposit package investment loan. Fix your rate and plan your repayments for years in advance.
4.39%
4.23%
$0
$198 p.a.
70%
Fund your property investment with this fixed rate mortgage which includes a 100% offset account. 30% deposit required.
4.24%
4.55%
$0
$299 p.a.
80%
A loan for investors borrowing $1 million or more. The product includes a 100% offset account.

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Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie IQ and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie"), and its appointed credit representatives. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133 Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Optimizer products is provided by Perpetual Limited ABN 86 000 431 827 (Lender). Credit for Aussie IQ is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. Home loans issued by the Lender are serviced by Macquarie Securitisation Limited ABN 16 003 297 336, Australian Credit Licence 237863 (MSL).

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2018 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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Rates last updated April 21st, 2018
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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
      LouMay 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.

      Cheers,
      Anndy

  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.

      Thanks,
      Belinda

  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,
      Marc.

  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,
      Marc.

  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.

      Thanks,

      Elizabeth

  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.

      Cheers,
      Marc.

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