What is Investment Loan?
An investment loan is a home loan used to purchase a property for rental income or capital growth, rather than as your own residence. Investment loans are usually priced 0.10–0.30% higher than owner-occupier loans, with different serviceability treatment and tax implications.
Why it matters for you
Structure is everything with investment loans. Getting interest-only vs P&I, standalone vs cross-collateralised, offset vs redraw right at origination saves you years of restructuring later. Choose the broker before you choose the lender.
Last updated: April 2026