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
An investment home loan requires a higher deposit—typically 30% for existing properties and 20% for new builds. You can leverage home equity or consider a non-bank lender.
Align your loan with your strategy, like buy and hold or buy and flip. Interest-only mortgages are an option but carry risks.
Before buying, calculate all costs and income. Seeking expert advice from a mortgage broker or financial advisor is crucial to find the best loan for your situation.
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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