Investment Property Mortgages

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Investment Property Mortgages

An investment property mortgage is a home loan option for Australian buyers who wish to purchase a property solely for investment purposes. At RateCity you can search and compare a vast range of investment property mortgages to find one to meet your individual requirements.

Investment property mortgages would suit a range of investment borrowers who are looking to purchase a unit, house, land or commercial property. Most investors tend to veer towards fixed rate home loans due to the following reasons:

  • Fixed rate home loans present an easier way for investors to manage their investment as they offer consistent, unmovable repayments. Fixed rates don’t fluctuate with the cash rate market so you are guaranteed your repayments will remain the same, making it easier to calculate your costs and profits.

  • Fixed interest rates are generally higher than variable rates but this factor doesn’t normally act as a deterrent for investment buyers as their purchases are usually shorter term, as they commonly sell, paying off the remaining loan, after five to ten years.

Purchasing property for investment purposes is a popular choice in Australia. In order to reap the rewards from your investment you should dedicate valuable time towards landing the right home loan. Start searching and comparing some of Australia’s best investment property mortgages below.

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Company Product Advertised Rate Comparison Rate Application Fees Monthly Repayment Star Rating Go To Site
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CUA Investment Rate Breaker 4.91% Variable 5.25% $0 $1,328.34
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CUA Rate Breaker Investment Rate Breaker 10k+ 4.91% Variable 5.25% $0 $1,328.34
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Greater Building Society Ultimate Home Loan Package Inv Variable 4.94% Variable 5.30% $0 $1,332.90
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FCCS Credit Union Inv Property Accumulator 5.29% Variable 5.34% $600 $1,386.71
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Suncorp Bank Investment Variable 5.99% Variable 6.15% $600 $1,497.27
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Data last updated August 1st, 2014

The comparison rate is based on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. The monthly repayment is based on the advertised rate, your chosen loan amount and a 25 year loan term.

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.