Investment Rates From:

3.87% Interest Rate

4.09%* Comparison Rate

You want to invest in property but does your investment loan match your long-term financial goals?

Learn how you can maximise your borrowing power and achieve your investment goals faster!

Our popular articles on investment loans:


Investment property calculator

How much does it cost per week to own an investment property?


Turning your home into an investment

What should I do to reduce my tax bill?


Offset accounts for investment loans

How can I get the best tax result?


What is negative gearing?

When does it apply & how much tax can you save?


What is capital gains tax?

What are the exemptions & how are they calculated?


What is depreciation?

You can slash your tax bill by buying a new property


Joint ownership of a property

What should I be aware of?


Documents for your tax return

Why good record keeping is essential!


Free assessment

Which lender is best for investors? Find out if you qualify for an investment loan

Will I qualify for a loan?

The approval criteria for investment loans is quite complicated especially if negative gearing benefits are required to prove that you can afford the loan.

Investment loans are generally a higher risk than standard home loans and, as such, you need to be in a strong financial position to qualify.

The basic lending criteria are:

  • You should have 5% – 10% in genuine savings.
  • If you are borrowing more than 90% then some lenders like to see equity in other properties (i.e this is not your first investment property).
  • A good credit history.
  • An above average credit score.
  • Stable employment.

If you think that you will qualify for an investment loan please call us now on 1300 889 743 to talk to a broker or enquire online and one of our mortgage brokers will contact you to discuss your options.

Which lenders can help?

From an Australian bank’s point of view, investors who tend to borrow more are considered to be higher value clients.

However, an investment loan is typically a higher risk to the bank.

For example, if you had a home loan secured by your home and an investment loan secured by your investment property, which would you pay for first if you were in financial strife?

In the event that the bank has to sell your investment property to recover your debt, they may have problems with the tenants refusing to move out or destroying the property. It is for these reasons that banks tend to have lower LVRs (lend less as a percentage of your property value) and stricter lending guidelines!

Therefore, it is important to find a bank that encourages investors, not one that has a conservative view of investment loans. We know which banks like dealing with property investors, do you?

In Australia a range of both Bank and Non-Bank lenders can consider 95% investment loans. Each lender has different qualifying criteria, so we don’t recommend any lenders until we have seen your full details and assessed your capacity to borrow.

Increase your borrowing capacity!

To increase your borrowing power, follow these simple tips:

  • Apply with a lender that has favourable lending criteria for investors (see below),
  • Reduce your credit card limits,
  • Apply for loans jointly with your spouse so that all of your income can be used,
  • Buy positively geared investment properties, or
  • Fix your rate for three to five years (see below).

Banks differ in the way that they assess investment property loans. Depending on your situation, your capacity to borrow may be increased or reduced.

  • Rental income: Most banks use only 80% of your rental income in their assessment but some use 100%.
  • Other income: All banks assess your base salary in the same way but they differ in the way that they assess overtime, bonuses, commission, allowances, trust distributions, dividends and self employed income.
  • Assessment rate: Most banks don’t calculate your borrowing capacity using the actual rate that you are paying. They add up to 2% to the current rate to make sure you can afford the loan if the rate were to increase. Some lenders do not load the rate when assessing your loan or use the actual rate if it is fixed for more than 3 years!
  • Existing debts: Some banks assess the repayments on your existing debts using principal and interest repayments, even if you are paying interest only! This is a major problem for investors with larger portfolios because often they cannot afford principal and interest (P&I) repayments on all of their debts.
  • Negative gearing: Did you know that not every lender takes negative gearing benefits into account? If your portfolio is not positively geared then find a lender who can include these benefits in a serviceability calculation.

We know which lender can approve your loan!

Be aware though that we believe in responsible borrowing and will not help you obtain an investment loan if, in our opinion, it will put you in financial difficulty.

If you would like to find out how much you can borrow from several different lenders then please call us now on 1300 889 743 to talk to a broker or enquire online and one of our mortgage brokers will contact you to discuss your options.

Apply for an investment loan today!

The right investment home loan really depends on your particular financial goals.

There are many different borrowing options and strategies available.

Call us on 1300 889 743 or enquire online to speak to one of our mortgage brokers who can compare the mortgages available from several lenders.

We recommend that you seek independent financial advice before borrowing money to invest.

Bank lending policy

Are all property types acceptable?

Not every type of property is acceptable to the banks. As a general rule, your property should meet the below criteria:

  • Be a standard unit, house, townhouse or land and construction.
  • Be greater than 50m² living area.
  • Be in a good condition.
  • Be located in a high demand location (major city or town with more than 10,000 people).

If your property does not meet the above criteria then please read our property types page for information on how to borrow on other types of investment properties.

Which loan types are available?

All loan types are available:

  • Professional packages
  • Basic loans
  • Lines of credit
  • Fixed rates

Discounts and loan features

Yes! Investment professional package and investment basic loan discounts are available!

Investment loans also have all of the same features as other loans:

  • Interest only
  • Fixed rate
  • Line of credit
  • 100% offset
  • Redraw
  • Extra repayments

Our brokers can find you a great deal on your investment loan based on your situation.

Call us on 1300 889 743 or enquire online today!

What can I use the loan for?

All investment purposes are acceptable to our lenders, provided they are legal.

Investment loans can be used to invest in property, shares, managed funds, options or business.

Is this loan for me?

This loan is for anyone who wants to borrow to invest.

Most investors tend to be professionals with high taxable incomes.

Borrowing 95% for an investment property is only suitable for people in a strong financial position who have either learnt about property investment or who have experience building a property portfolio.

Is not for someone with a poor credit history, as investment loans are so expensive that you will not make a decent return on your investment.

What is the maximum interest only term?

The maximum interest only term available in Australia is 15 years.

The majority of lenders however will only allow a 5 year interest only period, with a select few offering 10 years and only two offering a 15 year interest only period.

Many investors prefer to have interest only investment loans as this reduces the drain on their monthly cashflow and allows them to better allocate their money to buy new investments or to fund their lifestyle.

95% investment loans

Did you know that some lenders will allow you to borrow 95% of the purchase price of your new investment property?

You can even borrow the cost of mortgage insurance as well.

This means that as long as you have 5% in savings to cover the deposit and around another 4% or 5% to cover purchasing costs, you can buy your next investment property!

However, this type of loan is considered to be very high risk y the banks so you will need to be in a strong financial position in order to get approval.

Some lenders will require you to make P&I repayments until you owe less than 90% of the property value.

Almost all lenders will require you to prove that you have 5% in genuine savings and some may require you to have 20% equity in another property.

Do you need help getting approval for a 95% investment mortgage?

Please call us now on 1300 889 743 or enquire online and one of our mortgage brokers can help you to get approved!

90% investment loans

Borrowing 90% of the value of your investment property is considered to be a much lower risk to the bank than a 95% LVR mortgage. For this reason, it is easier to get approval and almost all lenders will allow you to make interest only repayments.

The cost of lenders mortgage insurance (LMI) is lower and you may find more lenders willing to make an exception to their normal credit criteria.

Capitalising LMI to 97%

Some mortgage insurers no longer allow investors to borrow 95% plus LMI. Instead, their loans are limited to 95% including LMI.

Unfortunately, this increases the size of a deposit required by approximately 2%. For a $500,000 investment property this would mean that you need an additional $10,000 in savings.

However, some lenders have agreements with their mortgage insurers to still be able to lend up to 97% including the LMI premium.

How can I borrow 100% for an investment property?

There are only two ways you can get approval for a 100% investment property loan:

1. Investment guarantor loan

1. Investment guarantor loan

If your parents can guarantee your loan using their property as security then you can borrow 105% of the purchase price and pay no LMI. You can read more about this on our page.

2. Using another property as security

2. Using another property as security

If you own another property then you can use the equity in that property as a deposit for your next investment purchase. Effectively, you can borrow 100% or 105% of the purchase price.

If you don’t have a guarantor or don’t have equity in another property, then you can only borrow a maximum of 95% of the property value.

Do you need help getting approval for a 100% investment mortgage?

Please call us now on 1300 889 743 or enquire online and one of our mortgage brokers can help you to get approved!

Learn more about investing in property

When investing in a property it is important to be well informed.

The following pages will help you to better understand investment property:

What is negative gearing?

Negative gearing is when you borrow to invest then, at the end of the year, your interest and running costs add up to more than your investment income. Effectively, you make a loss.

The aim of this strategy is to benefit from getting into the market early and over time, increasing your investment income to cover your expenses.

In the meantime, you are normally permitted to claim the net loss as a tax deduction against your other income.

For investors with a high taxable income this strategy works well as the capital gains and tax benefits usually outweigh the holding costs.

If you are on a lower income however, then another strategy may suit you better.

Always seek independent financial advice when deciding on an investment strategy.

Advantages of investing in property

Investing in property has a variety of benefits including providing security and potentially producing greater returns than other forms of investment.

Some notable advantages include:

  • Secure investment: Although the stock market produces financial benefits for investors, there is a higher risk involved. Property investors, on the other hand, are likely to experience more fixed returns on their investments.
  • Constant returns: The rental yields from investment properties can produce an ongoing source of income for investors. Where these yields are more than the mortgage repayments, the property may effectively be paying itself off. You may also have surplus left over to cover the additional costs associated with property ownership.
  • Growth: The price of your property can rise substantially especially if you buy in a good location. Where you adopt a strategy for long term growth, you will most likely reap the benefits in the following years. Australian property prices also rise above inflation, on average, by 2%.
  • Tax reductions: Any expenditure on the property may be subject to attractive tax deductions. Property owners can commonly claim on things such as maintenance, rates and insurance.
  • Asset base: Having an asset base is of great advantage when you are seeking to apply for additional finance. If you own an investment property you are able to use the existing equity in it to secure other loans. This allows you to buy more property, thereby increasing your personal wealth. Higher borrowing capacity: When buying an investment property you may be entitled to borrow up to 90% or 95% LVR. Although you may have to pay lenders mortgage insurance (LMI), this can also be covered in the amount that you borrow.

Disadvantages of investing in property

  • Costs: The initial costs of buying a property can be very high. There are also other ongoing costs, such as maintenance, rates and taxes which can amount to a substantial sum.
  • Bad liquidity: Unlike shares, property can take a while to sell. The price of the asset can be affected in situations where you have to make a quick sale. Often, property will stay on the market for a while before selling especially in times of financial crisis. This means it may take longer to realise financial success.
  • Gaps in tenancies: There may be occasions where the property remains vacant for some time. During this time, you will be required to make the mortgage repayments, leaving you out of pocket. This may also happen where your rental income does not exceed your mortgage repayments and you are then required to pay the difference yourself.
  • Risk: Although investing in property may be less risky than the stock market, in situations where the price of your property reduces greatly, you may be in a very difficult financial position as all your funds may be invested in that property.
  • Taxes and costs: The taxes, rates and other costs

Although there are many benefits, the risks involved in buying property need to be considered.

The key is to remain informed and to get expert advice.

Costs associated with investing in property

Before deciding whether to invest in the property market, it is important to understand the costs associated with property ownership.

There are a variety of fees and charges that you will be required to pay when you decide to purchase. These include:

  • Valuations: making sure that your property is valued is very important. You may also need to enlist the services of someone who can help you determine the properties market worth and rental income potential. However, valuations, property inspections and property research on any intended purchase can be expensive.
  • Stamp duty: this can amount to quite a lot and can sometimes be 6% of the price of the property. This varies from each state and territory. Legal fees and conveyancing costs: these are also payable when purchasing property but they may be waived for investors.
  • Transferring property title: when you buy a property you will have to pay to transfer and register it in your name.

Ongoing costs

Once you own the property you will be required to pay a variety of fees while other additional costs may also arise:

  • Rates: where you buy a residential property and let it out, you may be required to pay all council rates such as the water bill, as well as any other taxes.
  • Maintenance costs: you must cover the cost of any repairs associated with the property, replacements and regular property services such as pest control, plumbing and other facets of the property that require attention. Maintenance on a property is tax deductible but anything that aesthetically improves the property, such as paint or new fittings etc, may not be considered maintenance and as such, you will not receive any tax benefits.
  • Levies: where you buy strata title or invest in an apartment, you may have to pay fees to the body corporate who uses these funds to cover the cost of repairs and maintenance in the building.
  • Insurance: you may need to insure the property against any risk of damage to the property itself, as well as fixtures and other contents.
  • Interest: as well as the principal repayment amount, interest on the loan can be quite high. Although rental income may cover the monthly loan repayments, this may be before interest is calculated into the amount.
  • Agents: if you have an agent who is managing the property, you will also be required to pay any charges and fees to them for overseeing your property.

Consider the establishment costs and other ongoing costs of property ownership, when deciding whether to invest.

You should have a plan and a budget and make sure that you discuss this with a financial planner.

They can help you assess whether you will have the funds to cover the costs of investment property ownership.

Why property investment?

Are you looking to buy an asset for some extra passive income and the potential tax benefits? Investment properties are the answer!

The big plus with property investments is that they are highly leveraged. Utilising leverage means that with a minimal amount of funds available, you can magnify your potential return!

Potential tax benefits are another reason why so many people invest in real estate.

Interest charged on an investment loan is generally tax deductible and property investment reduces your tax bill, therefore, reducing the holding costs of your investment property!

Many first home buyers choose to buy an investment property before they buy their first home.

Your borrowing capacity is usually higher with an investment home loan, therefore you can purchase your desired home now, rent it out and move in later when you can afford it!

Investing in shares or a business

Yes, you can release equity from your current properties to invest in pretty much anything! Shares, business, options, bonds and anything else that banks would consider to be a worthy investment.

Did you know that a residential secured investment loan is cheaper than a margin loan?

By using your home or investment property as security you can avoid margin calls and save on interest!

Some banks have restrictive cash out policies that may limit your share market investing.

Please talk to us on 1300 889 743 or enquire online to find out which lenders can help with your investment loan.

As long as you are aware of the risks associated with your investment opportunities, we can help you apply for a mortgage!

  • Emilia

    Hello, can someone explain me whether it’ll be more efficient for me to borrow an Investment home loan from a bank or non-bank? I am a temporary resident from Germany and I am not sure about the docs requirements of banks, so I want to make sure whether non-bank lenders are willing to help me ? I can pay higher rates too.

  • Hi Emilia,

    The type and number of documents and verification required differs from lender to lender. It is not true that non-bank lenders will usually require less documents than a bank. The requirements can differ based on your particular situation. If you want to avoid the hassle of arranging the documents, you would greatly benefit going through a mortgage broker and they have a thorough knowledge of policies and requirements of all lenders.

  • Fiona

    My partner & I are looking to purchase an investment property in the Sunshine Coast area and have been told that as we are not residents of Australia (we live in NZ) we would have to purchase a new home. Is this correct? If we purchase a new property off plans are there any restrictions? We would have 20% deposit.

  • Hi Fiona,

    If you are a NZ citizen living in NZ and have visited Australia then you have a special category 444 visa which entitles you to permanent residency. As such you would not require Foreign Investment Review Board approval (FIRB approval) and could buy any property.

    If you are a Foreign citizen living in NZ on an NZ PR visa then you would require FIRB approval and would need to buy a new property.

    As this is important and I could be wrong, I’d recommend that you call the FIRB to confirm. Their number to call from NZ is +61 2 6216 1111.

    A 20% deposit is ideal, if you also have another 4% to cover costs then that is plenty.

    FYI our brokers specialise in lending to NZ citizens who are buying in Australia.
    You can fill in our free assessment form and one of our brokers will call you to discuss your situation.

    If you buy a new property in the Sunshine Coast please be careful which one you buy! There’s some good developers and some terrible ones. One of our brokers can refer you to a company that finds investment properties for investors if you would like some help with that.

  • Aka

    Hi there, Im a single low income earner looking to purchase an investment property. I have sufficient equity in my home and I want 100% loan on the investment property. Is this quite doable?

  • Hi Aka,

    Yes we can use the equity in your home to enable you to borrow 100% on your investment property. We’d need to check your income to see what’s affordable. Often people start with a small investment property and then buy a bigger one later when they’ve got a higher income. It just depends on your income and investment goals.

    Give us a call on 1300 889 743 and we’ll complete an assessment for you over the phone. Happy investing!

  • Sally Lawrence

    Hi, we are Australian citizens living and working in Australia and want to buy a property in New Zealand. Do we come under Australian rules with regard to deposit on the property or New Zealand rules which I have been told requires a 20% deposit. Also, we have been told that if we are present in New Zealand at settlement we will save the cost of Stamp Duty. Is this true? Thank you for your help,

  • Hi Sally we aren’t experts in NZ property or lending so best to ask a mortgage broker across the ditch.

    From my understanding if the property is an investment you’d need a 40% deposit in most cases. If it’s a home then 20% would be ok. I’m not sure about stamp duty.

    One thing we can help you with is that we can release equity from any Australian properties you own to use as a deposit for the property in NZ. This has an exchange rate risk however you would get an excellent interest rate. Just give us a call if you’d like our help.

  • sam

    According to the lenders, how much is too much mortgage exposure?

  • If you own several investment properties and have total debts of more than $1.5 million then banks are even more wary about lending money to you. Luckily, not all banks have the same “comfort” level. In fact, some of our lenders are willing to accept up to $10 million in exposure. This is great news for professional property investors who have multiple home loans. This all depends on your financial situation, the lender and our mortgage brokers’ exceptional skills in presenting a good case to senior managers within the bank’s credit department and ensuring your application goes through to the right channels.

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    Are you interested in a business, personal, car, investment OR house Loan? We offer loans at an interest rate of 2% with maximum guarantee and assurance. Contact us via email: or for more detailed information.

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    I am an individual who offers low interest rate loans for individuals, businesses, personal investments etc …
    I make loans and local and international investments to people all over the world. Contact me today and let me know how much money you want to lend. I am ready to satisfy you within 48 hours or 78 hours maximum upon receipt of your request. Please contact me for more information about my loan terms. E-mail:

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  • Livingston

    I would like to invest in a property that is currently being rented out as student accomodation with each room being separately rented. It’s actually a standard house so can I get 80% finance for it?

  • Hello Livingston,
    Yes, you should be able to borrow 80% as long as it’s a standard house that’s in good condition and in a good location. You will need to provide rental evidence to prove that it’s currently being rented out. Please contact one of our home loan specialists on 1300 889 743 to discuss in detail or simple enquire online:

  • Nigel

    Hi, i was curious as to whether i could get a loan for an investment property. I am currently off work due to injury, but own my home, and would be looking at getting a property half the value of my house, and would have roughly 50% deposit… The property would be rented out, and the rent would cover the repayments. Is it possible to get a loan?

  • Hi Nigel,
    Every lender has their own way of assessing the rent you receive from your investment properties. As a general rule, lenders will consider 80% of your gross rental income and if you’re receiving income protection payments, this can be considered as well depending on its nature. However, each lender has a different policy, so it’s best to call us on 1300 889 743 and our mortgage brokers will help you apply for a loan with the right lender. Or simply complete our free assessment form:

  • Nigel

    Thank you

  • Ben Wilson

    I am a NZ citizen living in NZ who wants to buy a house in brisbane as an investment property. I am a high income earner. Can i buy a house with 10% deposit if I have extra money for stamp duty and morgage insurance?

  • Hi Ben,
    We can definitely help you with a loan for 85% of the property value. 90% would be a case by case basis and in most cases it is not available. If you’d like our help then please complete this form

  • Ben Wilson

    Also assuming i moved into this house for 6mths would I be eligible for a FHOG? I have never owned property in Australia before.

  • Hi Ben,
    Yes in most cases you would be eligible. You must move in within the first 12 months and stay for at least 6 months. You can check this website for the full criteria

  • Diane Field

    Hi, I am looking to refinance my property investment away from Wells Fargo
    . Appraisal rental value is $150K
    Can I borrow the full $150K

  • Hi Diane,
    We can only use Australian properties as security for a mortgage. You should be able to contact a local mortgage broker who can assist you.

  • ourgeneration

    Hi Just wondering if you have lenders for buying land and then moving a relocatable home on to it?

  • Ill

    I want to buy an investment property fully paid out of equity. I have a property worth 850k with 190k still payable. The property I want to buy is around 450k. Is there any tax benefit on doing so especially in terms of interest?

  • Hi there,
    Yes, the portion of your home loan that’s used to buy the investment property will be tax deductible. It isn’t the security that really matters to the tax office. It’s what the money is used for.

  • Everly

    Can we get tax benefits through capital loss?

  • Hey Everly,

    While a capital gain is added to your regular income to calculate your tax, a capital loss cannot be used to offset your regular income. It is carried forward to be offset against capital gains only, so you do not get an immediate tax benefit from a capital loss unless you have capital gains. This is the downside of a capital loss.

  • Raine

    How much can I borrow on a commercial business loan?

  • The amount you can borrow generally depends on the lender, the loan product and their assessment of your application. Typically, you may be able to borrow anywhere from $250,000 to $50,000,000 with a business loan. However, business loans over $5 million to $50 million have stricter lending criteria.

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  • Lizza

    I’m planning to invest in a property. Can you tell me what is the maximum interest only period available in the market?

  • Hi Lizza,

    The majority of lenders will allow only a 5 year interest only period, however, a few of them offer 10 years and 15 year interest only period as well. And with the 5 year term, most banks will allow you to extend the interest only period for another 5 years depending on the regularity of your payments.

  • Sheeran

    I’m planning to buy an investment property in Brisbane. Can you give me an indicative interest rate for the mortgage?

  • Hi Sheeran, we can give you an indicative interest rate and the details of likely lender fees. We normally give you a range, as we can’t confirm immediately which lenders you’ll qualify for a mortgage with. Please call us on 1300 889 743 or fill in our free assessment form and one of our mortgage brokers will get back to you within 24 hours.

  • Mel

    Are there additional criteria for those who are self employed? We have 2 companies and Directors of both. My husband works full time in our companies and I do part time plus 15 hours in my Government job (full time position but part time hours return from Mat leave- employed 10 years with the Department).
    We have owned before, sold when we relocated to a different state and used the profits to start our business so we are building up savings again. Owner occupy seems so far away with house prices in our area so buying some investments over the next few years as part of our retirement plan is what we are thinking (long way off retirement we are mid 30s but still planning for the future). We have 4 dependents.

  • Hi Mel,
    Yes lenders look at the last two years tax returns for self employed borrowers. However there are several ways to prove your income. As a general rule tax returns are required if you are borrowing over 80% of the property value.
    These pages may help:

  • Bobbie

    I am a private driver for a wealthy businessman and earn almost $1,200 per week. But it’s all paid in cash. I’m planning to buy an investment property. Will the banks accept a cash deposit when I apply for a home loan?

  • Hi Bobbie,
    Almost all the lenders require evidence of your employment when assessing your mortgage application, however, we have select lenders on our panel who could assist you with these alternate documents.
    If you’re paid in cash then there might be some other documents that you could provide as your proof of income such as a letter from your employer explaining that you are paid in cash and verifying your weekly salary, your tax return declaring your annual income, or bank statements for the last three months which show regular payments into your account.

  • Anney

    Do you offer a ‘reducer home loans’ product/feature?
    This allows borrowers to enjoy a sizeable discount on their owner-occupied home loan interest rate when compared to the standard variable rate. At the same time, allocating the bulk of the interest rate to the investment loan allows you to enjoy increased capability for tax deductions on your interest payments on this part of the mortgage product.
    Would you recommend this type of loan?

  • Hi Anney
    Yes we offer this product. However it isn’t something that many of our investors choose to take up. In most cases just a low rate home loan and low rate investment loan are more suitable. There’s usually a catch for innovative products once you get into the details.
    We can’t determine if this is suitable for you at this time as we don’t know your situation in full.

  • Prometheus

    I’m living rent-free with my parents. I’m planning to buy a property (that’ll be an investment property for now). I, along with my parents own a couple of other properties. I’m buying this property alone. Can I show the rental income from those properties while calculating my borrowing power?

  • Hi Prometheus,
    You can show the rental income but most banks won’t use the full income. If you have a jointly-owned property with someone who’s not applying for your current loan, the bank will use 100% of the repayments on your investment loan but only 50% or the proportion of your rental income. However, if you can prove that the other person that’s liable for the debt is paying a share of the repayments, then some banks can consider this. Call us on 1300 889 743 to speak with one of our investment loan experts.

  • Naruto

    The Royal Commission has shone a light on some weaknesses in lending standards. I was planning to buy an investment property. Do you think it’s about to get hard to get an investment home loan and, if yes, in what way?

  • Hi Naruto,
    Actually, it’s already getting harder. Most banks are far less willing to make an exception to their standard policy. Generally, lenders allow investors to borrow 90% of the property value including Lenders Mortgage Insurance (LMI). However, where things get really trick is with highly-geared borrowers with multiple investment properties and multiple home loans. This won’t affect first-time investors – just be warned that getting approved for an interest only loan is almost impossible in today’s environment. That is, unless, you’re in a great financial position and a low debt-to-income ratio. If you want to know more about investment loans, call us now on 1300 889 743 to talk to a broker or enquire online and one of our mortgage brokers will contact you to discuss your options.

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  • Antony

    We’re seeing interest rates cuts across the board for investors. Are you expecting further interest rate cuts on mortgages by banks?

  • Hi Antony,
    That’s right, with RBA’s June rate cut, we’re seeing interest rate cuts for investors pretty much across the board. Any lender that isn’t dropping their investor rates is losing out so they’ve all had to drop their rates. Some lenders have dropped more than others. For example, some lenders are offering interest rates just below 3.9% for a variable rate investment loan.

    The major banks haven’t kept pace with the discounts offered by non-bank lenders. We’re expecting them to drop their interest rates for new investment loans over the next few months. Going by past trends, it’s unlikely that they’ll give these discounts to their existing customers.