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Investor rates stay down across some of Australia’s best investor home loans in April 2021

Investor rates stay down across some of Australia’s best investor home loans in April 2021

While much of the recent property market activity has been attributed to first home buyers and other owner occupiers, investors seeking to expand their portfolios may also be looking to take advantage of lower interest rates. 

According to figures from the Australian Bureau of Statistics (ABS), the value of new owner-occupier loans dropped almost 2 per cent in February 2021, while investor lending grew 4.5 per cent month-on-month and almost 32 per cent year-on-year.

While investors won’t be able to access some of the support services for first home buyers, such as the First Home Loan Deposit Scheme, there are still plenty of low interest rates for investors to take advantage of.

RateCity research shows that year-on-year, variable investor mortgage rates (paying principal and interest) have fallen 26 basis points, from 3.86 per cent to 3.60 per cent. However, there are currently 104 investor home loan lenders offering interest rates below 3 per cent, and 64 offering rates below 2.5 per cent. 

Because it’s important to consider more than just the interest rate when comparing investor home loans, RateCity’s Home Loan Leaderboards rank mortgage offers by their Real Time Ratings™, which combine the loan’s cost and flexibility to help give you a better idea of the overall value.  

Rankings are correct at the time of publishing. Please note lenders may trade places on the list as interest rates and fees change and RateCity’s tracker reflects these movements.

Best variable investor loans

Company
Product

Low Rate Home Loan - Prime (Investment) (Principal and Interest)

Real Time Rating™

4.42

/ 5

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Interest Rate

3.39

% p.a

Variable

Comparison Rate*

3.39

% p.a

Repayment

$1,484

monthly

Real Time Rating™

4.42

/ 5
Go to site

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Company
Product

Investment Variable

Real Time Rating™

4.25

/ 5

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Interest Rate

3.29

% p.a

Variable

Comparison Rate*

3.30

% p.a

Repayment

$1,468

monthly

Real Time Rating™

4.25

/ 5
Go to site

special

Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Company
Product

Well Balanced

Real Time Rating™

4.32

/ 5

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Interest Rate

3.48

% p.a

Variable

Comparison Rate*

3.51

% p.a

Repayment

$1,499

monthly

Real Time Rating™

4.32

/ 5
Go to site

Winner of Best Investor Home Loan, RateCity Gold Awards 2022

Best interest only investor loans

Company
Product

Investment Great Rate

Real Time Rating™

3.46

/ 5

Winner of Best Investor 5 Year Fixed Interest Only Loan, RateCity Gold Awards 2022

Interest Rate

6.09

% p.a

Fixed - 5 years

Comparison Rate*

5.65

% p.a

Repayment

$1,523

monthly

Real Time Rating™

3.46

/ 5
Go to site

Winner of Best Investor 5 Year Fixed Interest Only Loan, RateCity Gold Awards 2022

Company
Product

Fixed Rate Home Loan

Real Time Rating™

2.94

/ 5
Interest Rate

7.53

% p.a

Fixed - 5 years

Comparison Rate*

5.07

% p.a

Repayment

$1,883

monthly

Real Time Rating™

2.94

/ 5
Go to site
Company
Product

Reward Me Fixed Rate Investment Loan

Real Time Rating™

3.21

/ 5

Winner of Best Investor 5 Year Fixed Interest Only Loan, RateCity Gold Awards 2022

Interest Rate

6.24

% p.a

Fixed - 5 years

Comparison Rate*

5.01

% p.a

Repayment

$1,560

monthly

Real Time Rating™

3.21

/ 5
Go to site

Cashback

$2500 cashback when you refinance. ~ Ends in 23 days

Winner of Best Investor 5 Year Fixed Interest Only Loan, RateCity Gold Awards 2022

Best 3-year fixed investor home loans

Company
Product

Well Balanced

Real Time Rating™

3.89

/ 5

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Interest Rate

5.99

% p.a

Fixed - 3 years

Comparison Rate*

4.18

% p.a

Repayment

$1,931

monthly

Real Time Rating™

3.89

/ 5
Go to site

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Company
Product

Investment Fixed

Real Time Rating™

3.65

/ 5
Interest Rate

5.94

% p.a

Fixed - 3 years

Comparison Rate*

4.52

% p.a

Repayment

$1,922

monthly

Real Time Rating™

3.65

/ 5
Go to site
Company
Product

myBlue Investment Loan (Fixed Rate) (Principal and Interest)

Real Time Rating™

4.15

/ 5

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Interest Rate

6.15

% p.a

Fixed - 3 years

Comparison Rate*

4.34

% p.a

Repayment

$1,961

monthly

Real Time Rating™

4.15

/ 5
Go to site

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Company
Product

Premium Home Loan Package

Real Time Rating™

3.95

/ 5

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Interest Rate

6.15

% p.a

Fixed - 3 years

Comparison Rate*

4.54

% p.a

Repayment

$1,961

monthly

Real Time Rating™

3.95

/ 5
Go to site

Winner of Best 3 Year Investor Fixed Pi, RateCity Gold Awards 2022

Company
Product

Freedom Fixed

Real Time Rating™

3.62

/ 5
Interest Rate

6.89

% p.a

Fixed - 3 years

Comparison Rate*

4.22

% p.a

Repayment

$2,099

monthly

Real Time Rating™

3.62

/ 5
Go to site

Best 5-year fixed investor home loans

Company
Product

Fixed Rate Home Loan (with Advantage Package)

Real Time Rating™

3.61

/ 5
Interest Rate

6.09

% p.a

Fixed - 5 years

Comparison Rate*

5.81

% p.a

Repayment

$1,949

monthly

Real Time Rating™

3.61

/ 5
Go to site

Cashback

Receive $4000 in cashback when you refinance
Company
Product

Advantage Package

Real Time Rating™

3.61

/ 5
Interest Rate

6.09

% p.a

Fixed - 5 years

Comparison Rate*

5.83

% p.a

Repayment

$1,949

monthly

Real Time Rating™

3.61

/ 5
Go to site

Cashback

Receive $4000 in cashback when you refinance
Company
Product

Premium Home Loan Package

Real Time Rating™

3.34

/ 5
Interest Rate

6.55

% p.a

Fixed - 5 years

Comparison Rate*

5.13

% p.a

Repayment

$2,035

monthly

Real Time Rating™

3.34

/ 5
Go to site
Company
Product

Freedom Fixed

Real Time Rating™

3.08

/ 5

Winner of Best 5 Year Investor Fixed Pi, RateCity Gold Awards 2022

Interest Rate

6.89

% p.a

Fixed - 5 years

Comparison Rate*

4.64

% p.a

Repayment

$2,099

monthly

Real Time Rating™

3.08

/ 5
Go to site

Winner of Best 5 Year Investor Fixed Pi, RateCity Gold Awards 2022

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