Buying guide
Everything you need to know about investment home loans
Home loans for investment property work a little different to your average mortgage
AI summary
Investment property home loans have higher deposit requirements than standard mortgages, typically 30% for existing properties and 20% for new builds. You can fund this by leveraging equity in your current home or using a non-bank lender.
Your strategy, like buy and hold or buy and flip, will influence your loan choice, with interest-only mortgages being a popular but risky option.
Always compare lenders, including banks and mortgage brokers, and seek expert advice to ensure your loan aligns with your investment goals.
Getting a deposit together
Leveraging your existing property
Using a non-bank lender
Buying a new build
Sorting your investment home loan is the first step toward buying an investment property.
Type of property to consider
Residential
Short term accommodation
Commercial
Figuring out your strategy
Buy and hold
Before buying an investment property you should always speak to experts.
Buy and flip
Interest-only mortgages
Doing your sums
Buying an investment property is easier with a good lender behind you.
Applying for an investment loan
Investment home loan pre-approval
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Before you start searching for properties it’s a great idea to get pre-approval from your bank or lender.
Getting expert advice on your investment home loan
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