Best Investment Home Loan Banks in Australia (2025) — Compare Investor Rates, Policies & Loan Options
Introduction: Why Choosing the Right Home Loan Investment Bank Matters
For a full comparison of the best 2025 investment property loan rates across all major lenders, see our Investment Property Home Loan Rates – Full Guide
If you’re building a property portfolio, securing the best home loan investment bank rates can significantly impact your long-term returns. Even a 0.25% difference in interest rates can add up to thousands of dollars over the life of your loan. In 2025, with the Reserve Bank of Australia adjusting cash rates in response to inflation and housing demand, it’s critical for investors to compare rates from multiple banks to ensure the most profitable financing strategy.
For a complete overview of rates across all property types, check out our Australian Interest Rates – Full Guide.
Best Home Loan Investment Bank Rates in Australia – 2025
We’ve compared leading Australian banks and lenders offering competitive investment property rates.
Bank / LenderVariable Rate (p.a.)Fixed Rate 2-Year (p.a.)Comparison Rate*
ANZ6.25%6.10%6.35%
Commonwealth Bank6.30%6.15%6.40%
Westpac6.20%6.05%6.28%
NAB6.27%6.12%6.33%
Macquarie Bank6.18%6.08%6.25%
*Comparison rates are for illustrative purposes only.
How to Compare Home Loan Investment Bank Offers
When choosing the best home loan investment bank, look beyond just the headline interest rate. Key factors to compare include:
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Comparison rate – includes fees and charges.
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Loan features – offset accounts, redraw facilities.
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Fixed vs variable flexibility.
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Bank incentives – cashback offers, waived fees for investors.
Tips for Securing the Best Investment Loan Rate
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Improve your credit score – a higher score gets better rates.
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Increase your deposit – aim for 20%+ to avoid LMI.
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Negotiate with multiple lenders – use offers to leverage better terms.
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Consider non-major banks – smaller lenders can have sharper pricing.
2025 Market Outlook for Investment Loan Rates
Industry analysts expect modest rate reductions in late 2025 as inflation pressures ease. Investors should monitor RBA announcements closely and be ready to refinance when rates drop.
FAQ Section
Q: Which bank offers the best investment home loan rates in Australia in 2025?
A: Rates vary monthly, but as of August 2025, Macquarie Bank and Westpac are among the most competitive.
Q: Can I get a lower investment rate by fixing my loan?
A: Fixed rates can offer stability, and some banks offer special fixed investment rates below their variable rates.
Q: How do I compare investment bank loan offers?
A: Use the comparison rate, not just the advertised rate, and factor in features like offsets and redraws.