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Investment property loans

Looking to invest in property? Here’s everything you need to know about investment home loans and rates.

Enquire now Start applying today

Variable rate home loan with less fees and less fuss

Simple Home Loan

6.49%
p.a.

Variable rate

6.52%
p.a.

Comparison rate

Get started with a smaller deposit. Take control of your home loan by only selecting the features you need and you could save on fees. Plus, you can make extra repayments or redraw at no extra cost.

See Simple Home Loan

Rate subject to change. Borrowings from 60.01% - 80% of the property value for principal and interest repayments. Minimum loan size of $20,000. Understand the comparison rate.

When it comes to home loans, brokers rate us the best

Australian Mortgage Award Winners

Australian Mortgage Awards, Bank of the Year 2021 and 2022.

Discount on a depreciation schedule

Investor loan savings

Make tax time as a property investor easier with a depreciation schedule. If you have an eligible Complete Home Loan Package, you can receive a saving on a depreciation schedule prepared by DEPPRO Pty Ltd. 1 If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.

Helping you invest in property

When it comes to investment home loans, our team of Home Lending Specialists know their stuff.

Know your financial situation

Get clarity on what's involved in investing; from your initial deposit, using equity to on-going expenses.

Free property reports

Make an informed decision when buying an investment property with property histories, suburb reports and current rental prices. 2 The information contained in the Property Report is prepared by a third party. Bankwest is not responsible for the accuracy and completeness of the information generated in the report and it should not be relied upon as a valuation of the subject property.

Approved in Principle

Feel confident when you make an offer or bid at auction by knowing how much you'll likely be able to borrow.

Choosing the right loan

We'll help structure your home loan to suit you, with options.

Enquire now

A home loan application from your couch

With a Bankwest home loan you could sign your home loan documents and track your application online, anytime it suits you. 3 4

Investment home loan calculators

If you're curious about an investment home loan, use our calculators to estimate how much you could borrow and the potential repayments on your investment loan.

Home loan repayment calculator

Get an idea of your regular repayments and see how much you could save if you make extra repayments.

Borrowing power calculator

Estimate how much you could borrow based on your income, expenses and current home loan.

Delve deeper into property investment

Read our guides to learn more about property investment, from the basics to long term investment strategies.

Weigh up the pros and cons

Learn about the benefits and costs of property investment to find out if it’s right for you.

Brush up on the basics

Understand your finances, work out your borrowing power and learn the ins and outs of the property market.

Start the search

Begin searching for your investment property and find out how to use equity to help with your deposit.

Investor loan FAQs

Here's some answers to your most common questions

If you've built up enough usable equity in your current property, you could put this towards a deposit and other buying costs such as stamp duty, for an investment property.

How much you can borrow for an investment property will depend on many things, such as your deposit, other properties and your income. The best way to find out is by using our borrowing power calculator or chatting to a Home Lending Specialist.

If you're considering using your current house as a rental property instead of living in it, then you'll need to make sure you change the purpose of your loan to investor, instead of owner occupied.

Principal and interest refers to when your loan repayments cover both the loan amount (the principal) and the interest on that loan.

Interest only repayments are limited to just the interest for an agreed period of time.

Get in touch with a Home Lending Specialist

Make an enquiry

Book an appointment

Start applying today

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Rate subject to change. Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. Lending and eligibility criteria, fees and charges and T&Cs apply and are available on request. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Simple Home Loan
Lending criteria, fees and charges apply. Terms and conditions apply and are available on request. Simple Home Loan is available to individuals only. Minimum loan size is $20,000.

Loans for a property to live in vs. loans for an investment purpose
Loans for a property to live in (owner-occupier loans) include but aren’t limited to loans to fund the purchase of a property, refinances of existing loans, and land or construction loans, where the borrower currently lives or intends to live at the property.

Loans for an investment purpose (investor loans) include but aren’t limited to loans where the predominant part is used to invest in shares, land, construction or an established property. They also include refinancing an investor loan.
 

  1. If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.
  2. The information contained in the Property Report is prepared by a third party. Bankwest is not responsible for the accuracy and completeness of the information generated in the report and it should not be relied upon as a valuation of the subject property.
  3. Digital signing – some exclusions apply. Due to state laws, restrictions apply to digitally signing the Mortgage Form in some States and Territories. Customers must have access to a device (computer or tablet recommended) with internet and email access.
  4. Application tracker not available on lines of credit. Other exclusions may apply.