Best 5-year principal and interest investor home loans

RateCity's top-rated principal and interest investor home loans with a fixed interest rate for five years. Assumes a $400,000 mortgage.

Ranking
Product
Advertised Rate
Comparison Rate*
Company
Monthly Repayment
Features
Real Time Rating™
1
7 position up today

2.69%

Fixed - 5 years

3.26%

Citi

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

3.32

/ 5
2
1 position down today

2.74%

Fixed - 5 years

3.52%

Bank of Queensland

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.89

/ 5
3
1 position down today

2.84%

Fixed - 5 years

3.43%

Suncorp Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.61

/ 5
4
1 position down today

2.84%

Fixed - 5 years

4.10%

Bank of Melbourne

$1.2k

Redraw facility
Offset Account
Borrow up to 79.9999%
Extra Repayments
Interest Only
Owner Occupied

2.66

/ 5
5
1 position down today

2.69%

Fixed - 5 years

3.41%

HSBC

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.42

/ 5
6
1 position down today

3.09%

Fixed - 5 years

3.87%

St.George Bank

$1.3k

Redraw facility
Offset Account
Borrow up to 59.9999%
Extra Repayments
Interest Only
Owner Occupied

2.80

/ 5
7
1 position down today

2.99%

Fixed - 5 years

3.36%

Virgin Money

$1.3k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.61

/ 5
8
1 position down today

2.74%

Fixed - 5 years

2.83%

UBank

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.29

/ 5
9
3 position down today

2.94%

Fixed - 5 years

3.71%

Bank Australia

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.54

/ 5
10
3 position up today

2.95%

Fixed - 5 years

3.99%

BankVic

$1.3k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

2.38

/ 5
11
4 position down today

2.94%

Fixed - 5 years

3.12%

Macquarie Bank

$1.3k

Redraw facility
Offset Account
Borrow up to 70%
Extra Repayments
Interest Only
Owner Occupied

2.43

/ 5
12
23 position up today

2.94%

Fixed - 5 years

3.22%

Adelaide Bank

$1.3k

Redraw facility
Offset Account
Borrow up to 89.9999%
Extra Repayments
Interest Only
Owner Occupied

2.39

/ 5
13
9 position up today

2.89%

Fixed - 5 years

3.13%

Qudos Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.23

/ 5
14
1 position down today

3.09%

Fixed - 5 years

4.39%

Heritage Bank

$1.3k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.49

/ 5
15
1 position down today

2.84%

Fixed - 5 years

4.18%

RACQ Bank

$1.2k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.18

/ 5
16
1 position down today

2.94%

Fixed - 5 years

3.07%

86 400

$1.3k

Redraw facility
Offset Account
Borrow up to 80%
Extra Repayments
Interest Only
Owner Occupied

2.20

/ 5
17
1 position down today

3.19%

Fixed - 5 years

3.98%

BankSA

$1.3k

Redraw facility
Offset Account
Borrow up to 94.9999%
Extra Repayments
Interest Only
Owner Occupied

2.45

/ 5
18
1 position down today

2.99%

Fixed - 5 years

2.92%

Well Home Loans

$1.3k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.20

/ 5
19
2 position down today

3.00%

Fixed - 5 years

3.04%

Yard

$1.3k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.23

/ 5
20
1 position down today

3.09%

Fixed - 5 years

3.94%

Westpac

$1.3k

Redraw facility
Offset Account
Borrow up to 90%
Extra Repayments
Interest Only
Owner Occupied

2.28

/ 5