Best Investment Home Loan Rates in Australia 2025

Introduction

Finding the best investment home loan rates in Australia can be tough, with different banks offering a mix of fixed and variable investment home loan rates, cashback offers and flexible repayment options.

Since investment home loan rates for property are slightly higher than for owner occupiers, you need to compare investment home loan rates carefully before you decide.

In this guide we’ve gathered the lowest investment home loan rates and features from leading banks and credit unions across the country. Whether you’re looking for variable investment home loan rates or fixed options, this list shows interest rates, Loan-to-Value Ratio (LVR) limits and key benefits to help you choose the right investment loan.

Top 10 Best Investment Home Loan Providers in Australia (2025)

1. Australian Mutual Bank

Australian Mutual Bank is a customer owned institution that puts members first and delivers some of the best investment home loan rates in Australia. It’s known for transparency, community commitment and support for investors looking at home loan rates for investment property with added benefits like cashback incentives.

• 2 year fixed: 4.99% p.a.
• Maximum LVR: 80%
• Features: Cashback incentives, redraw facilities, flexible repayments

2. Pacific Mortgage Group

Pacific Mortgage Group is recognised across Australia for offering tailored investor lending solutions with competitive home loan investment rates. Its focus on personalised service and packages makes it a great option for borrowers looking for the lowest investment home loan rates.

• Rates: Variable/fixed from 5.14% – 5.49% p.a.
• Maximum LVR: 60–80%
• Features: Tailored packages, fee waivers, competitive specials

3. Bank Australia – Clean Energy Home Loan (New Builds)

Bank Australia is well known for ethical and responsible banking practices, making it perfect for eco-conscious investors. Their investment property home loan rates are structured to reward energy efficient property builds, for investors who want both sustainability and competitive investment home loan interest rates.

• 3 year fixed: 5.24% p.a.
• Maximum LVR: Flexible
• Features: Discounts for sustainable, energy efficient builds.

4. Newcastle Permanent

Newcastle Permanent offers investor focused lending with great customer service. A long established lender for investment home loan rates comparison, they are a trusted choice for Australians looking to get stable home loan rates for investment property long term.

• Fixed rates: 4- & 5-year terms at 5.69% p.a.
• Maximum LVR: 80%
• Features: Cashback, fee waivers, long term fixed options.

5. Greater Bank

Greater Bank is a customer owned institution offering competitive lending with great features like cashback for property investors. They are well known for best investment home loan rates Australia, supporting investors with flexibility and competitive investment property home loan rates.

• Fixed rates: 2-year at 5.04% p.a., 3-year at 5.09% p.a.
• Maximum LVR: 80%
• Features: Cashback offers, repayment flexibility.

6. The Mutual Bank

The Mutual Bank is a lender that caters to member needs. They’re known for simple and flexible investment loan structures, often included in investment home loan rate comparisons by borrowers looking for both competitive home loan investment rates and practical lending benefits.

• 2 year and 3 year fixed rates: 5.04% p.a.
• Maximum LVR: 80%
• Features: Split loans, offset, cashback for member

7. Macquarie Bank

Macquarie Bank has a great reputation as one of the lowest investment home loan rates in Australia. With a range of investor products, they’re often in investment home loan rate guides and trusted by property investors across the country.

• Rates: Fixed/variable from 4.89% p.a.
• Maximum LVR: 95%
• Features: Refinancing, rate discounts, investor products.

8. ANZ Bank

ANZ Bank is one of the “big four” lenders and is known for strong customer service. ANZ investment home loan rate comparisons for Australians looking at large scale investor solutions.

• Example rate: 6.14% p.a.
• Maximum LVR: 80%
• Features: Package options, fee waivers, repayment flexibility.

9. Commonwealth Bank (CBA)

CBA is Australia’s largest bank and a leader in property lending. CBA investment home loan rates are competitive with added value features like offset accounts. Many investors prefer CBA when comparing home loan rates investment property across multiple lenders.

• Rates: 5% to 6% p.a.
• Maximum LVR: 80% (higher with LMI)
• Features: Cashback, offset, redraw, property tools.

10. People’s Choice Credit Union

People’s Choice Credit Union is a member-focused lender with affordable and flexible loan options. They offer competitive variable investment home loan rates and their loyalty driven approach makes them a top pick in the best investment home loan rates Australia category.

• Variable rate: 5.39% p.a.
• Max LVR: 90%
• Features: Cashback, member discounts, investor options.

Home Loan Rates Comparison Table – Find the Best Investent Home Loan Interest Rates

Investor Notes

Fixed-term focus: Most of the best investment home loan rates in Australia are on 1–3 year fixed terms.

Deposit matters: Lower rates are available if you have at least 20% deposit.

Repayment choice: Most competitive home loan investment rates are for Principal & Interest, but Interest-Only is available.

Risk pricing: Fixed home loan rates for investment property are slightly higher than owner-occupier loans because of higher risk for lenders.

Conclusion

No one lender has the “perfect” loan – it’s all about your property goals. If you want long term certainty, fixed loans may be for you. If you want flexibility, then variable investment home loan rates may be the way to go.

By reading this and doing an investment home loan rates comparison you’ll be in a better position to choose between the big 4 banks (ANZ, NAB, Westpac, CBA) investment home loan rates or alternative lenders and credit unions (Macquarie, The Mutual Bank, People’s Choice).

Ultimately it’s about looking beyond the lowest investment home loan rates and finding a package that suits your deposit size, repayment goals and overall investment strategy. To make the best choice talk to a mortgage broker or financial advisor who can match loan options with your property plans.