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Buying an investment property

Investing in property can be challenging and exciting all at once. But with the right help and information, you'll find yourself on the right track.

Discounted rates upfront on eligible loans.disclaimerNo ANZ set up or ongoing fees.disclaimer

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featured rate

Basic variable

rates

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Interest ratedisclaimer

Comparison ratedisclaimer

Interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property valuedisclaimeron residential investment home loan with principal and interest repayments.

Get a competitive interest rate and basic features (no offset).

ANZ Simplicity PLUS Residential investment loan

The information on this page does not apply to ANZ Plus products

Investment property loan options


Choose certainty or flexibility

A fixed rate loan gives you repayment certainty during the fixed period. A variable loan gives you the flexibility to make extra repayments and save on interest with an offset account. Or you can get the best of both worlds with a split loan.

Make interest only paymentsdisclaimer 

You can apply for a loan with interest only payments for a maximum of 10 yearsdisclaimer. Making interest only payments may suit you in some circumstances.

Unlock your equity

You may be able to use the equity in your existing property for investment opportunities. Our free ANZ Property Profile Reportdisclaimercan help you get an estimate price range for your property.

You could pay interest in advancedisclaimer

With an ANZ Fixed Residential Investment loan, if you pre-pay the following year's interest for your investment property, you may be able to structure your interest payments for tax purposes.

Compare our investment property loansdisclaimer

Basic variable

disclaimer

Principal & interest

Comparison ratedisclaimerTooltip

Investment interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property value.disclaimer

A no-frills home loan with a competitive interest rate and basic features.

ANZ Simplicity PLUS Residential Investment

Fees & features

Standard variable with optional offsetdisclaimer

disclaimer

Principal & interest

Comparison ratedisclaimer

Discounted standard variable investment rate when borrowing 80% or less of the property value.disclaimer

Can I go lower?

Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.

ANZ Standard Variable Residential Investment

Fees & features

Fixed rate

 disclaimer disclaimer

Principal & interest

Comparison ratedisclaimer

Discounted 2 year fixed investment rate when borrowing 80% or less of the property value.disclaimer

Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.

ANZ Fixed Residential Investment

Fees & features

Basic variable

disclaimer disclaimer

Interest rate

Comparison ratedisclaimerTooltip

Investment interest rate with special offer discountdisclaimerwhen borrowing 60% or less of the property value.disclaimer

A no-frills home loan with a competitive interest rate and basic features.

ANZ Simplicity PLUS Residential Investment

Fees & features

Standard variable with optional offsetdisclaimer

 disclaimer disclaimer

Interest rate

Comparison ratedisclaimerTooltip

Discounted standard variable investment rate when borrowing 80% or less of the property valuedisclaimer.

Can I go lower?

Talk to us to find out if a further discount could apply to your standard variable rate, depending on your situation.

ANZ Standard Variable Residential Investment

Fees & features

Fixed rate

 disclaimer disclaimer

Interest rate

Comparison ratedisclaimerTooltip

Discounted 2 year fixed investment rate when borrowing 80% or less of the property value.disclaimer

Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate terms.

ANZ Fixed Residential Investment

Fees & feature

   See all home loan rates Apply online

Unlock your equity

 

Free ANZ Property Profile and Equity Report

You may have equity you could access to borrow for renovations, build a house, or to purchase an investment property. Our free ANZ Property Profile and Equity Report can help you understand how much equity you may have and how you could use it.disclaimer

Learn more

Investment property loan calculators

How much could I borrow?

What could my repayments be?

Connect with our home loan specialists or apply

Need to speak to a specialist?

Provide us with your details and one of our home loan specialists will get in touch. They can discuss issues including:

  • Applying for a home loan
  • Managing your existing loan
  • Refinancing your home loan
  • Interest rate enquiry

As well as any other home loan queries you may have.

Request a call back

 

Quick start application

Begin your home loan application journey by providing details about:

  • You
  • Your financial situation
  • The loan you're applying for

One of our home loan specialists will then be in touch to progress with your application.

Apply online

 

Call us

Monday - Friday 8am to 8pm (Sydney/Melbourne time)

1800 100 641  

 

Other ways to get in touch

Meet with a mobile lenderdisclaimer

Book an appointment

Book a First Home Buyer Coach

Your investment loan questions answered

When thinking about buying an investment property, the considerations may be different from when buying a home to live in. A few factors you may like to consider are:

Why you are buying

Are you investing in property with the hope of making a capital gain or are you looking for a rental income stream? Neither capital growth nor a steady rental income stream are guaranteed, and there are risks that the value of your property may decline or that your property may not always be tenanted. Indicators of the potential capital growth of a property may include the capital growth rate for the area and similar properties. For indicators of what your potential rental income stream could look like, consider the current yield rates, rents and vacancy rates for similar properties in the area.

Who you are renting to

Think about who you might rent the property to and look for features that would appeal to them. For example, someone looking for a family home might want a house on a quiet street, near to schools, while a young couple might want an apartment close to public transport and cafés. 

The long-term view

Property can be a long-term investment. When looking at a property, some factors you may like to consider are the age of the property, its condition and whether you can afford any maintenance that may be required.

  

An investment property loan is similar to a home loan. Most lenders will fund up to 90% of the value of your property (as determined by the lender), which means you’ll need a minimum of 10% as a deposit.

However, if you borrow more than a certain level (commonly 80% of the value of the property as determined by the lender), you might have to pay lender’s mortgage insurance (LMI).

If you already own a property, you might want to consider using any equity you’ve built up to help with your deposit.

Get tips on how to save for a deposit.

  

If you are already a homeowner, you may have built up equity in your home over time that you could use to fund part or all of the deposit on a property.

Speak to your lender to find out how much equity you have and whether you could put it towards the deposit on a property. 

  

Most lenders will fund up to 90% of the value of your property. However, if you borrow more than a certain level (commonly 80%), you might have to pay lender's mortgage insurance (LMI). 

How much you can borrow typically depends on your income, your living expenses, interest rates and other factors that affect how much you can comfortably afford as repayments every month. Speak to your lender to find out more about how much you may be able to borrow or estimate it using our borrowing power calculator and other tools.

   

Capital gains tax may apply for investment properties. 

Find out more about capital gains tax from the Australian Tax Office, or speak to your tax account for advice based on your specific situation.

  

LVR stands for 'Loan to Value Ratio' and it's the amount you’re looking to borrow, calculated as a percentage of the value of the property you want to buy (as assessed by ANZ). For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000).

LVR is important because it may affect your borrowing power. Generally, the lower the LVR the better, as it carries less risk for the lender. If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender - ANZ, not you - if you default on your home loan and there’s a shortfall following the sale of the property. Generally speaking the higher your LVR, the more LMI will cost.

Learn more about ANZ LMI with our Key Fact Sheet (PDF) or read our article on Lenders Mortgage Insurance.

*Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

  

If you have money in an everyday banking account, you may choose to move it into an ANZ One offset account. You can link it to your ANZ Standard Variable loan or one-year ANZ Fixed loan to help you save on interest charges. The money you have in ANZ One will offset the amount you owe on your home loan, and you’ll only be charged interest on the difference.

A $10 servicing fee applies per month per offset account.

Find out more about offset accounts.

  

What's the difference between principal and interest and interest only loans?

If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are not required to repay any of the loan principal. You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only.

Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal.

Learn more about payment types.

  

Interest is calculated based on the unpaid daily balance of your loan. For example, if you had a loan balance of $400,000 and your interest rate was 3% p.a., your interest charge would be $400,000 x 3% divided by 365 days = $32.87 for that day. For most ANZ home loans, interest is usually calculated daily and charged monthly. 

For details refer to the ANZ Consumer Lending Terms and Conditions (PDF) and your letter of offer.

  

A comparison rate is designed to help you work out the total cost of a home loan by building the known costs like up-front and ongoing fees into that rate. It doesn’t include things like government charges, redraw fees or fee waivers. 

You can use comparison rates to help you compare the cost of different home loans with similar features. When deciding which home loan is right for you, it’s important to think about what features each home loan offers, and how much these matter to you. Keep in mind that you may not necessarily pay the comparison rate that is advertised for your loan type.  This is because, for example, you may not pay all the fees and charges which the comparison rate includes.

  

All our eligible fixed and variable rate home loans come with a discount off the index rate applied upfrontdisclaimer(without needing to pay an annual home loan package fee). The interest rates shown here include those discounts.

If you’re considering our Standard Variable home loan, you may be able to access a further discount off the index rate than shown above, depending on your situation. This is because the rate discount you can access for this home loan depends on your Loan to Value Ratio (LVR) and other financial circumstances. To find out if you could access a lower rate for our Standard Variable loan, have a no-obligation chat with one of our specialists.

To estimate home loan repayments with a new home loan

  1. Enter the details of the type of home loan you’re looking for then choose an ANZ rate from the interest rate drop down. 
  2. You can ‘Add a new scenario’ and choose a different ANZ home loan rate to compare estimated repayments for different scenarios side by side.

To compare current and future estimated repayments based on a different rate

  1. Enter the details of your existing home loan. If you have a redraw balance on your loan, add that amount on top of your existing loan amount. For instance if you have a loan balance of $600,000 plus a $50,000 redraw amount, enter $650,000 as your loan amount. Any redraw balance will have an effect on your estimated repayments.
  2. Choose ‘Enter my own interest rate’ and enter your current interest rate to see your approximate current repayments. (To check your current interest rate, log in to ANZ Internet Banking and click on your home loan account, or in the ANZ mobile app tap your home loan account and go to 'View home loan details’.) 
  3. Tap ‘Add a new scenario’ and either choose an ANZ rate from the drop down menu or enter your own rate to see estimated repayments based on the different rate.
  4. Compare your current and estimated new repayment for a different scenario to see the difference.
  

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What is 'rentvesting'?

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‘Rentvesting’ is a relatively new term, coined to describe property buyers who continue to rent the home that they live in, and rent out their investment property. 

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Understanding negative and positive gearing

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What investment strategy could work for you? Learn more about negative and positive gearing. 

   

Important information

The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.

ANZ Buy Ready™ is a trade mark of ANZ.

Repayment Calculator

All applications for credit are subject to ANZ credit approval criteria. Product terms and conditions are available on application.

This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application.

The estimated repayment amount does not include any fees or charges.

If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the Loan, which can impact on repayment amounts.

Results are based on approximate amortised scheduled repayments and do not take into account interest rate changes or other events that may change repayment amounts on a loan.

For fixed rate loans, once the fixed rate period expires, the loan reverts to a standard variable rate loan and repayment amounts will change.

For interest only loans, once the interest only period expires, the loan will revert to the applicable variable principal and interest rate for the remainder of the loan term (unless another interest only period is taken). At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

Where a custom fixed or interest only rate has been selected, once the fixed or interest only period expires, the loan reverts to a standard variable rate loan with principal and interest repayments. In calculating these repayments, the repayment calculator will use the standard variable rate that most closely aligns with the Loan to Value Ratio (LVR) implied by the custom rate selected.

Interest rates are current as at  and are subject to change.

ANZ Home Loans are available for periods between of at least 1 year and up to 30 years in duration.

ANZ Home Loans are available for a minimum of $20,000 for new Standard Variable and new Fixed Rate loans and $50,000 for new Simplicity PLUS home loans. This calculator has been set to a maximum of $9,900,000 but you can apply for a higher amount.

Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is   for loans with a Loan to Value Ratio (LVR) of greater than 80% and  for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is  for loans with a LVR of 80% or less.

* The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

LVR is the amount you're looking to borrow, calculated as a percentage of the value of the property you want to buy. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

Borrowing power calculator

Applications for credit are subject to ANZ credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

The estimate is based on the accuracy of the information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Simplicity PLUS rate for home loans or an ANZ Simplicity PLUS rate for residential investment property loan depending on the type of property you have selected. Rate includes a special offer discount when borrowing 80% or less of the property value (which is subject to change). Eligibility criteria apply to special offer discounts for ANZ Simplicity PLUS home loans, including $50,000 or more in new or additional lending. Offer can be withdrawn or changed anytime. The estimate might be different if payment type is interest only or if a different interest rate discount applies. It does not constitute an offer of credit. To apply for an ANZ Home Loan you must complete an application. All applications for credit are subject to ANZ credit approval criteria. ANZ does not store the information you provided to generate this document.

The calculation of estimated maximum home loan borrowing power excludes Lenders Mortgage Insurance. The value of the security property is also considered in any credit assessment criteria.

Minimum loan amounts apply to different loan types. For more information, visit anz.com or contact us.

Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.

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Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF), ANZ Personal Banking General Fees and Charges (PDF) and your letter of offer.

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Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.

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.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.

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Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.

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A price range estimate is an estimate only. It is based on certain available information provided when ordering a Property Profile Report. It is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.

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Interest only loans are not for everyone and you should consider if this is the right strategy for you. Applications are subject to credit assessment.

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Subject to credit approval criteria. Different maximum loan amounts may apply to specific property types and locations. Eligible existing ANZ customers must have had a retail lending product for greater than 6 months with a satisfactory credit history.

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Terms and Conditions, fees and charges apply please refer to the ANZ Consumer Lending Terms and Conditions (PDF).

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Interest rates shown on this page are current as at  and are subject to change. 

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The rate shown is the Simplicity PLUS Residential Investment Property Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime. 

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A $10 servicing fee applies per month per ANZ One offset account. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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The interest rate shown includes any applicable interest rate discount from the index rate. For ANZ Standard Variable, the interest rate discount is   for loans with a Loan to Value Ratio (LVR) of greater than 80% and  for loans with a LVR 80% or less. For applications submitted from 28 October 2024 for ANZ Fixed, there is no interest rate discount for loans with a LVR of greater than 80% and the interest rate discount is  for loans with a LVR of 80% or less.

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Rates shown apply during the fixed period of your loan. After the fixed period, your rate will switch to the applicable variable rate for a principal and interest loan.

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Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.

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.

Fixed home loans aren’t for everyone and early repayment costs may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period. 

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Rates shown apply during the interest only period of your loan. Choose from 1-5 year interest only terms for owner occupied on an ANZ Standard Variable (Land Loan up to three years) and ANZ Fixed (Land Loan up to three years) and choose from 1-5, 7 and 10 year interest only terms for residential investments on an ANZ Standard Variable (Land Loan up to one year), ANZ Fixed (Land Loan up to one year) and ANZ Simplicity PLUS. If you choose to make interest only payments on ANZ Fixed, your fixed period and interest only period will be the same. After the interest only period, your rate will switch to the applicable variable rate for a principal and interest loan. At the end of the interest only period, minimum repayment amounts may increase to cover principal and interest. Interest only loans are not for everyone and you should consider if this is the right strategy for you.

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ANZ Property Profile Reports are not personal advice or a recommendation. They contain general information only and do not take into account personal needs and financial circumstances. They are for personal use only. Price range estimates and estimated total equity are estimates only. They are based on certain available information and/or equity estimates provided when ordering an ANZ Property Profile Report. An ANZ Property Profile Report is not a valuation of the property or a guarantee of its market value or future sale price. Price range estimates may change daily and the actual sale price (if the property is sold) may be different.  Customers should make their own enquiries and obtain independent financial and legal advice before deciding whether to use their equity to invest in property, renovate or deciding the price they are willing to pay for a property. Sales history and past performance are not indicative of future price or performance.

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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