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
Securing an investment home loan requires a larger deposit—typically 30% for existing properties and 20% for new builds. You can leverage home equity or consider a non-bank lender if needed.
Your strategy, like buy and hold or buy and flip, should guide your loan choice. Interest-only mortgages are an option but carry risks. Always do your sums, get pre-approval, and consider professional advice from a mortgage broker before you start searching.
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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