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Compare 1 year fixed rate investment property mortgages

Compare mortgages and calculate mortgage repayments - Data last updated on 18 Nov 2017

Compare 1 year fixed rate investment property mortgages

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1 year fixed rate investment property loans are a home loan options available for borrowers who wish to invest in property. A competitive range of fixed rates mortgages can be compared online at RateCity to find one that fits your investment needs.

For Australians who are interested in purchasing a home for investment purposes, a fixed rate home loan is an attractive option as it allows borrowers to lock in a rate and have set repayments. This means that fixed rate investment property loans are not affected by the rise and fall of interest rates so you are guaranteed the current agreed rate and can budget your outgoing and incoming cash flow accordingly.

This protects you against rate rises in particular but also prevents you from taking advantage of any rate falls. 1 year fixed rate investment property loans lock in a fixed interest rate for a period of one year, after which the loan will defer to a standard variable rate set by the current market rate. Fixed rate home loan periods can range from one to ten years.

If you are uncertain about locking in the entire loan on a fixed interest rate you could consider splitting your loan, which will allow you to make half your loan a fixed rate and the other half variable.

All investment property buyers have different financial needs and goals so it’s important to carefully compare Australian home loans until you find the best fit.

Fixing your rate at the optimum time could save you thousands so start comparing 1 year fixed rate investment property loans below.

FAQs

The comparison rate is a more inclusive way of comparing home loans that factors in not only on the interest rate but also the majority of upfront and ongoing charges that add to the total cost of a home loan.

The rate is calculated using an industry-wide formula based on a $150,000 loan over a 25-year period and includes things like revert rates after an introductory or fixed rate period, application fees and monthly account keeping fees.

In Australia, all lenders are required by law to publish the comparison rate alongside their advertised rate so people can compare products easily.

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