This page is updated regularly to reflect current investment property loan rates across major Australian lenders. If you’ve been searching for “investment loan rates” — you’re in the right place. But rates alone don’t build portfolios. Here’s what the market looks like right now, and what it means for your strategy.
Current Investment Property Loan Rates (March 2026)
The RBA cash rate currently sits at 4.10% following a series of adjustments through 2024–2025. Investment property loan rates from major lenders are generally sitting in the following ranges:
| Loan Type | Rate Range (p.a.) | Best Available* |
|---|---|---|
| Variable P&I – Investment | 6.0% – 6.6% | From ~5.89% |
| Variable Interest-Only – Investment | 6.4% – 7.0% | From ~6.19% |
| Fixed 1yr P&I – Investment | 5.9% – 6.5% | From ~5.79% |
| Fixed 2yr P&I – Investment | 5.8% – 6.4% | From ~5.69% |
| Fixed 3yr P&I – Investment | 5.9% – 6.5% | From ~5.74% |
| SMSF Investment Loan | 6.8% – 7.8% | From ~6.59% |
Investment Rates vs Owner-Occupier Rates: The Gap
Investment loans consistently attract higher rates than owner-occupier loans — typically 0.3% to 0.6% higher. On a $700,000 loan, that gap costs an investor approximately $2,100–$4,200 per year in additional interest. Across a two-property portfolio, the difference becomes material.
This is why comparing investment rates across 30+ lenders — rather than accepting your bank’s advertised rate — is one of the highest-return activities a property investor can do. Read our full guide on investment vs owner-occupier rates.
Why the Rate Isn’t the Most Important Number
Most investors searching for “investment loan rates Australia” are looking for the lowest number. That’s a reasonable starting point — but the rate is rarely the most important factor in a long-term investment strategy.
Consider: an investor who secures a 0.2% lower rate but structures their loans incorrectly — cross-collateralising properties, mixing personal and investment debt, or choosing P&I when interest-only would preserve $500/month in cash flow — can easily give back those rate savings and more.
At Tenfold Property Finance, our approach is strategy over rate. We find you the most competitive rate available — and we make sure the loan structure works for your next three properties, not just this one.
What Moves Investment Loan Rates?
Several factors influence the investment loan rates available to you:
- RBA cash rate decisions — variable investment rates generally move with the cash rate, though lenders don’t always pass on changes in full
- APRA regulatory settings — APRA can impose macroprudential restrictions on investment lending growth, pushing lenders to reprice investment loans relative to owner-occupier
- Your LVR (Loan-to-Value Ratio) — borrowing at 70% LVR typically attracts a lower rate than 90% LVR; a larger deposit or more equity means a better rate tier
- Loan type — P&I investment loans are priced lower than interest-only investment loans at most lenders
- Lender competition — non-bank lenders and tier-two banks often price more aggressively than the major four, particularly for investors with clean credit profiles
- Loan size — some lenders offer lower rates for larger loans (above $750K or $1M)
How to Get the Best Investment Loan Rate
The most reliable way to secure the best investment rate is to compare across multiple lenders simultaneously — which is exactly what an investment-focused mortgage broker does.
At Tenfold Property Finance, we access rates from 30+ lenders including specialist non-bank lenders not available to the public. Because we work exclusively with investment property clients, we understand how to present your file to maximise both approval chances and rate outcomes.
We also review existing portfolios regularly — lenders sharpen pricing for new business, which means loyal customers are often paying more than they need to. If you haven’t reviewed your investment loan rate in the past 24 months, there’s a good chance a better option is available.