Important disclosure

Compare Investment Loans

You don’t have to be rolling in money to start investing and building wealth. If your pockets are not flush with enough cash, find and compare investment loans below. Our calculator will also help you lock onto a repayment amount that’s best for your investment game plan.

Calculate your repayments

Loan Amount

$10,000

Term

3 months

Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
MoneyPlace

Unsecured Personal Loan - Fixed (Excellent credit)

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Our loans are better because we understand you better. A range of personal loans, for all the right reasons.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
MoneyPlace

Secured Personal Loan - Fixed (Excellent credit)

EST Monthly Repayment
EST Monthly Repayment
6.66%
Advert. Rate (p.a)
Comparison rate
Secure your personal loan with a vehicle you own as security to access a lower rate, a higher lending limit, or both.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
MoneyPlace

Secured Personal Loan - Fixed (Good credit)

EST Monthly Repayment
EST Monthly Repayment
10.57%
Advert. Rate (p.a)
Comparison rate
Secure your personal loan with a vehicle you own as security to access a lower rate, a higher lending limit, or both.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
MoneyPlace

Unsecured Personal Loan - Fixed (Good credit)

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Our loans are better because we understand you better. A range of personal loans, for all the right reasons.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.49%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!
ANZ

ANZ Variable Rate Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.
Plenti

Plenti - Personal Loan - Average Credit

EST Monthly Repayment
EST Monthly Repayment
18.45%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Investment loans – Game the market and build your income

When you borrow to invest in the property market, the end goal typically involves using the lender’s low-interest funds for wealth creation. It’s a long-term plan that relies on rental income to cover mortgage payments and other ownership costs.

Once you clear your debt, you’ll have a bigger and steady stream of income to pocket. At the same time, your brick and mortar investment will hopefully keep increasing in value. If you’re interested in rolling out this strategy, use our guide below to learn more about investment loans in Australia.

What are investment loans, and how do they work?

An investment loan is built like a home loan in most ways. For instance, you borrow money to top up a deposit, so you can purchase a property you usually couldn’t afford. You then repay what you owe (inclusive of interest and other fees) in regular instalments over a fixed period.

The crucial difference is that rather than the usual owner-occupier arrangement, you’ll be opting for a buy-to-let deal that delivers a steady source of rental income into your lap. Other features that come with this type of home loan include:

  • Low loan to value ratio (LVR). The loan to value ratio is the value of what you can borrow relative to your property’s value. Australian lenders generally require investors to have a loan to value ratio of 80% or below. That means you’ll need to put up a deposit of at least 20%.
  • Higher interest rates. Investment loan rates tend to be higher since there’s more risk involved for the lender. That’s because the property is your source of income, and profit is not always guaranteed.
  • Tax benefits. Investment loans allow you to make tax deductions. This goes a long way towards reducing your taxable rental income and other costs such as repair, maintenance and council rates.

Types of interest rates for investment home loans

Investment home loan rates can be split into three different types:

  • Fixed interest rates. A fixed rate locks your repayments in place for the entire life of the loan. These often have higher starting rates than variable rates, but they offer protection from increases.
  • Variable interest rates. A variable rate peaks and falls broadly in line with the Reserve Bank of Australia cash rate. That means your repayments may change, and you save if the rate goes down.
  • Split interest rates. You can also forego the debate between choosing a fixed or variable rate by opting for a split rate. Your loan term will then be divided into fixed rate and variable rate portions.

Types of repayment plans for investment home loans

Besides choosing a fixed rate, a variable rate or a mix, you’ll also have to weigh up your choice of repayments:

  • Interest-only. An interest-only investment loan addresses your debt’s interest while ignoring the principal (the actual amount borrowed). Therefore, repayments are smaller though normal repayments usually kick back in after the interest-only period expires.
  • Principal and interest. With this option, you wear away your debt on both ends. This also allows you to build equity, and in some cases, lenders will let you use it as a line of credit where you borrow and repay money as per your needs.

What about other types of investment loans?

Besides investment property loans, you’ll also find margin loans where the borrowed funds go to purchase shares, managed funds or other securities. Your existing investments usually act as collateral for the debt.

Like investment home loans, you’ll need a larger deposit because of the low loan to value ratio. Margin loans also come with tax benefits. Overall, they are a great way to diversify your portfolio and create profitable investment returns.

How to apply for an investment loan with a low interest rate

To qualify for a low rate, you’ll need to put in some work to get a more positive risk assessment from the lender. Here’s how to beef up your borrowing profile and bag the best deal available:

  • Pay a larger deposit. Having more cash set aside means you borrow less, which generally nets you a lower rate.
  • Check your credit score. If your credit profile has several glitches, your application might be affected. It usually pays to sort these out before applying.
  • Compare investment loans. When shopping around, there are several things you need to hold up to the light. These include interest rates, comparison rates, fees and charges, and other beneficial features like offset accounts. You can also use our investment loan calculator to make comparisons and find suitable repayments. Next, check lending criteria to ensure the best option for your needs is one you qualify for.
  • Seek professional advice. Using a mortgage broker might help grease the wheels of your application process. Brokers can easily spot better deals and may have insider tips on negotiating for a lower rate.
  • Prepare your documents. Taking the time to shuffle all the necessary paperwork together might make all the difference between a stronger application and a weak one.

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