Best Investment Home Loan Rates in Australia 2025

If you’re an Australian investor planning to expand your property portfolio in 2025, the first step is securing the right finance. With property markets remaining resilient and rental yields steady, investors are taking a closer look at investment home loan rates across leading banks and mutual lenders. Unlike owner-occupier loans, investment loan rates tend to be slightly higher, making it critical to compare options carefully before signing on.

This year, some of the most competitive providers include Australian Mutual Bank, Macquarie, Greater Bank and Bank Australia. Many are offering fixed packages as low as 4.89–5.24% p.a., while variable options provide flexibility for investors who expect rate cuts. Features like offset accounts, redraw facilities, and cashback incentives can make a significant difference to your overall returns by reducing interest payable or increasing liquidity.

Investors need to also think about deposit levels, with many lenders requiring at least 20% down to unlock the sharpest rates. Loan-to-Value Ratio (LVR) restrictions mean borrowers with smaller deposits may face higher premiums or Lenders Mortgage Insurance.

Ultimately, the “best” investment home loan isn’t just the lowest rate—it’s the one that matches your property goals. Whether you want certainty with a fixed term or flexibility through a variable, comparing your options ensures your investment performs strongly in 2025 and beyond.