Investor home loans
Investor loans, built for the long game.
A good investor loan is boring on paper — and that's exactly the point. No surprises, full deductibility, and a structure you won't need to untangle three years from now.
What good looks like
The checklist we run on every investor deal.
An investor loan should tick every one of these boxes before we recommend a lender:
- Uncrossed from other properties unless there's a specific reason to cross
- Interest-only during the early years if cashflow and tax position support it
- Offset account on the relevant split (usually the owner-occupier, not the investment)
- Clean split between investment and personal funds — no contaminated interest
- Ownership entity decided deliberately, in coordination with your accountant
- Lender chosen for policy fit and serviceability calculator, not just headline rate
Q&A
Investor home loan FAQs
Can I claim the interest on the loan?
Interest on money borrowed to acquire an income-producing asset is generally deductible. The deductibility hinges on the purpose of the borrowing, not the security. Keep the loan clean — don't mix investment borrowing with personal use — and deductibility is usually straightforward. Always confirm with your accountant.
Is the investment property rate higher than owner-occupied?
Usually, yes. Lenders price investor loans slightly higher than owner-occupier loans because the risk profile is different. The gap has narrowed considerably over the last few years.
What LVR can I borrow to?
Typically 80% without LMI, 90-95% with LMI on investor loans. The higher the LVR, the tighter the lender and the more expensive the LMI — usually not worth it unless cashflow dictates.
Keep exploring
Related pages
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.
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