Compare investment property home loan interest rates

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Investment property home loan interest rates

If you are in a position to buy a property as an investment, whether it's to let out or for your children – who would probably also be paying some rent – then you'll want to look at investment property home loan rates. Investing in property can secure significant returns if you get it right. If your existing financial circumstances are favourable you should seek out a lender that offers this type of loan – most major banks offer them.

What are investment property home loan interest rates?

If you decide to borrow to invest in property you'll discover that loans are similar to a conventional home loan. Not all lenders will permit borrowers to use a regular home loan for investment purposes, but most will. You're likely to discover that the interest rates offered will vary considerably if you are borrowing to invest, and that the Loan-To-Value-Rate (LTV) could be reduced from the 95 per cent you might expect for a home you will live in, to 80 per cent if the loan is to be used for investment purposes. You're also likely to find variable and fixed rate loans available, as well as ones that have offset accounts and flexible repayment options.

How do investment property home loan interest rates compare to other products?

Depending on your provider and the deal you are offered you may discover that the interest rate charged for an investment property is a little higher than for a property you will be living in. You might also have to put down a larger deposit to secure the loan, but otherwise you should be able to source a good deal from the variety of products lenders have available. The market for investment loans is extremely competitive in Australia so you can make comparisons to work out what will be most suitable for your personal circumstances. 

What are the main features of investment property home loan interest rates?

You are likely to have the option to choose a fixed or variable interest rate for an investment loan. You may be eligible for a discount rate if all your financial business is with one bank, and you could also choose to have an offset account that you put money into and thus save interest on the principal amount you have borrowed. You could also opt for an interest only loan to cut down on monthly repayments. That type of loan may also be tax deductible, potentially saving you even more.

Are there risks to consider? 

If you are renting out your property you need to be ready for periods of vacancy, when tenants leave and you have to find new ones. Tenants may also default so you need to have a strong legal agreement in place to defray any possible losses. On the plus side you will own a property that should give you a regular income to pay off your loan and, may increase in value over the years. 

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