Best Investment Home Loans in Australia (2025 Guide): Rates, Strategies & Eligibility
Buying or refinancing an investment property? Matcheroo compares options against your real profile—LVR, rental income, expenses and product features—so you only see loans you’re likely to qualify for. Results are verified and usually ready in 24–48 hours.
How we compare investment loans
You answer a short set of questions. Our engine maps your details to live lender policy, pricing and fees, removes mismatches (servicing rules, LVR caps, postcode/security limits) and ranks the fits. A credit specialist checks edge cases—rental shading, negative gearing, multiple properties and trust/Company structures—before we send your shortlist.
IO vs P&I for investors (quick guide)
Interest-only (IO) keeps repayments lower and can improve cash flow, but usually has a rate loading and reverts to P&I later.
Principal & interest (P&I) reduces debt sooner and can price better. Many investors split the loan to balance cash flow and paydown.
Features that matter for investors
Offset and redraw for cash management, fixed vs variable (or a split), package/annual fees, and the comparison rate(includes most fees). We’ll flag any cashback offers and their conditions and disclose total costs.
Eligibility & documents
Policy varies by lender. Expect assessment of LVR, credit history, rental income (usually shaded), existing debts and living expenses. Have leases or rental estimates, recent payslips/BAS, bank statements, ID and property details ready.
Portfolio & equity release
Looking to release equity for another purchase or renovations? We model LVR, cash-out policy and settlement timing so you understand what’s feasible before you apply, and we avoid structures that can trap equity (e.g., unneeded cross-collateralisation).
Timelines
Straightforward refinances and purchases can move quickly once documents are ready. Tell us your target date and we’ll align the lender choice to turnaround times.
Helpful tools: Repayments → /calculators/repayments · Offset → /calculators/offset · Home loan comparison → /home-loan-comparison
FAQs
What rate can I get on an investment loan?
Depends on LVR, IO vs P&I, fixed vs variable and policy on the day. We show current options you’re likely to qualify for, with fees and comparison rates.
How is rental income assessed?
Most lenders “shade” rent (count a percentage to allow for vacancies and costs). We apply each lender’s method in servicing.
Can I use equity from my home to buy an investment?
Often yes, subject to LVR and cash-out policy. We’ll show feasible structures and any LMI implications.
Will matching affect my credit score?
No. There’s no hard credit check until you choose to apply.
How long can I have interest-only?
Commonly up to 5 years on standard products (policy varies). We’ll outline options and trade-offs.