Compare 1 year fixed rate investment property mortgages

Find home loans from a wide range of Australian lenders that best suit your needs, whether you're investing, refinancing or looking to buy your first home. Compare interest rates, mortgage repayments, fees and more. - Data last updated on 19 Dec 2018

Compare 1 year fixed investment property home loans

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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.

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FAQs

They’re impersonal 

Most comparison sites give you information about rates, fees and features, but expect you’ll pay more with a low advertised rate and $400 ongoing fee or a slightly higher rate and no ongoing fee. The answer is different for each borrower and depends on a number of variables, in particular how big your loan is. Comparisons are either done based on just today or projected over a full 25 or 30 year loan. That’s not how people borrow these days. While you may take a 30 year loan, most borrowers will either upgrade their house or switch their home loan within the first five years. 

You’re also expected to know exactly which features you want. This is fine for the experienced borrower, but most people know some flexibility is a good thing, but don’t know exactly which features offer more flexibility than others. 

What is the flexibility score?

Today’s home loans often try to lure borrowers with a range of flexible features, including offset accounts, redraw facilities, repayment frequency options, repayment holidays, split loan options and portability. Real Time Ratings™ weights each of these features based on popularity and gives loans a ‘flexibility score’ based on how much they cater to borrowers’ needs over time. The aim is to give a higher score to loans which give borrowers more features and options.

They’re not always timely

In today’s competitive home loan market, lenders are releasing new offers almost daily. These offers are often some of the most attractive deals in the market, but won’t get rated by traditional ratings systems for up to a year. 

The assumptions are out of date 

The comparison rate is based on a loan size of $150,000 and a loan term of 25 years. However, the typical loan size is much higher than that. Million dollar loans are becoming increasingly common, especially if you live in metropolitan parts of Australia, like Sydney and Melbourne. It’s also uncommon for borrowers to hold a loan for 25 years. The typical shelf life for a home loan is a few years. 

The other problem is because it’s a percentage, the difference between 3.9 or 3.7 per cent on a $500,000 doesn’t sound like much, but equals around $683 a year. Real Time Ratings™ not only looks at the difference in the monthly repayments, but it will work out the actual cost difference once fees are taken into consideration. 

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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