Compare 3 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. - Last updated on 15 Nov 2019

Compare 3 year fixed investment property home loans

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3 year fixed rate investment property loans are an appealing home loan option for Australians looking to purchase a property for investment purposes. At RateCity you can flex your research muscles and search and compare an extensive range of incredible fixed rate home loans.

Fixed rate investment property loans allow the borrower to lock in their interest rate for a period of three years – after which – the home loan will revert back to the standard variable rate.

  • Stability: Locking in your interest rate allows you to maintain the agreed rate for that time period – irrelevant of cash fluctuations. So if you find a great low rate you can lock it in without fear of a rate rise.
  • Budget: Fixing your interest rate for a three year period means that your repayments are locked in also. This will allow you to budget more efficiently as you know your repayments will be consistent and not change when interest rates rise or fall.

Before signing up for a 3 year fixed rate investment property loan you should consider that fixed rates do tend to be higher than variable rates and if you do lock in your interest rate you will not benefit from any future rate cuts within the three year period.

There are many options and features to consider when choosing a home loan for your investment. Fixed interest rate loan lengths vary, so you can choose to fix your loan for as little as one year and for as long as ten.

If you feel a 3 year fixed home loan is the right investment for you, start comparing some of Australia’s best 3 year fixed rate investment loans below.

Mark Bristow is a senior financial writer for RateCity. Working for over ten years, Mark previously wrote and researched commercial real estate at CoreLogic, consumer technology at Appliances Online, and most recently, personal finance for RateCity. Whatever the topic, Mark’s goal is always to provide simple solutions to complex problems.

^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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