September 2020: Top 5 Investment Home Loan Rates

If you’re considering property as an investment option, generally one of the key steps is finding a suitable investor home loan. For investors keeping a close eye on their budget, securing a low rate is often a priority.

While property can be a worthwhile long-term investment option to consider – depending on your circumstances and financial goals – it can require plenty of research, particularly at a time when the Australian economy is in recession and property values may be less predictable than they have been in the past. The research involved in purchasing an investment property typically includes searching extensively for the right property, potentially finding the right builder to help with any necessary improvements, and of course, getting the right home loan if you need one to fund your property venture.

You may find that the features you would look for in an owner-occupier home loan aren’t the same as those that make for a good investment home loan. The rates on offer may also be different to those borrowing for an investment property as opposed to a home to live in themselves.

To help you narrow down your options, we’ve listed some of the lowest rate investment home loans on our database. Please note that the interest rates below don’t take into account your credit history or other factors specific to your application, so not everyone can qualify for the minimum advertised rate. Further eligibility criteria may be assessed and determined by the lender.

The home loans listed below are for borrowers looking to purchase a home as an investment. You can also view some of the lowest owner-occupier home loan rates on Canstar’s database.

Some of the lowest interest rates for variable investment home loans on Canstar’s database

The comparison table below displays some of the variable rate investment home loan products on Canstar’s database with links to lenders’ websites. The products displayed are based on a loan amount of $350,000 at 80% LVR in NSW, available for Principal and Interest repayments. The results are sorted by ‘current rate’ (lowest to highest), then by provider name (alphabetically).

Some of the lowest interest rates for fixed rate investment home loans on Canstar’s database

Lowest interest rates for 1-year fixed home loans

The comparison table below display some of the 1 year fixed rate investment home loan products on Canstar’s database with links to lenders’ websites available for a loan amount of $350,000 at 80% LVR in NSW, and available for Principal and Interest repayments. The results are sorted by ‘current rate’ (lowest to highest), then by provider name (alphabetically).

*Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

Lowest interest rates for 3-year fixed home loans

The comparison table below displays some of the 3 year fixed rate investment home loan products on Canstar’s database with links to lenders’ websites available for a loan amount of $350,000 at 80% LVR in NSW, and available for Principal and Interest repayments. The results are sorted by ‘current rate’ (lowest to highest), then by provider name (alphabetically).

*Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

Lowest interest rates for 5-year fixed home loans

The comparison tables below display some of the 5 year fixed rate investment home loan products on Canstar’s database with links to lenders’ websites available for a loan amount of $350,000 at 80% LVR in NSW, and available for Principal and Interest repayments. The results are sorted by ‘current rate’ (lowest to highest), then by provider name (alphabetically).

*Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

While it is a significant factor, getting a low interest rate isn’t the only thing worth taking into account when comparing different home loans. You should also consider the features of your home loan and any fees charged to ensure that you’re getting a good deal overall. Consider taking a look at Canstar’s most recent Home Loan Star Ratings for an broad picture of how our experts rated a variety of products.

And as always, you can compare more home loans – both residential and investment – with Canstar to help you find one suitable for you.

Compare Home Loans From 1.90%

This article was reviewed by our Finance Editor Sean Callery before it was published, as part of our fact-checking process.


About James Hurwood

James HurwoodJames Hurwood is a Finance Journalist at Canstar and has a wealth of experience when it comes to unpacking and explaining the minutiae of personal finance. He started at Canstar in 2013 as a Cadet Journalist while completing a Bachelor of Journalism majoring in Media & Communications at QUT, and joined the Editorial team as a full-time writer upon graduating. He has a particular passion for the subject of superannuation and is keen on making it as engaging and accessible a topic as possible for Australians of all ages, but particularly other young people. Follow James on LinkedIn and Canstar on Facebook.

Follow Canstar on Facebook and Twitter for regular financial updates.


Thanks for visiting Canstar, Australia’s biggest financial comparison site*

→ Looking to find a better deal? Compare car insurancecar loanshealth insurancecredit cards, life insurance, as well as home loans, with Canstar.

Share this article