Snapshot dated 31 July 2026
What are the lowest investor interest-only home loan rates?
Interest-only investment lending can carry different pricing from principal-and-interest loans. The promoted figure below uses an exact dated 80% LVR investment interest-only row.
As at 31 July 2026, the lowest verified 80% LVR rate for this exact purpose and repayment type is 6.23% p.a. (6.27% comparison rate) from ME Bank - ME Go, across 24 lenders in the exact snapshot. The broader table below may include additional currently listed options.
Reviewed by the Ratesniffers Editorial Team. Promoted figures use the verified 80% LVR snapshot dated 31 July 2026.
Investor interest-only rates, ranked by comparison rate
| Lender | Type | Rate p.a. | Comparison | Max LVR | Rate date |
|---|---|---|---|---|---|
| Bank of China | Variable | 6.13% | 6.17% | — | 10 Aug 2026 |
| Queensland Country Bank | Variable | 6.19% | 6.23% | — | 10 Aug 2026 |
| ME Bank - ME Go | Variable | 6.23% | 6.27% | 80% | 10 Aug 2026 |
| Auswide Bank Ltd | Variable | 6.24% | 6.28% | — | 10 Aug 2026 |
| Suncorp Bank | Variable | 6.28% | 6.32% | 80% | 10 Aug 2026 |
| HSBC | Variable | 6.29% | 6.33% | 80% | 10 Aug 2026 |
| Bank Australia | Variable | 6.34% | 6.38% | 80% | 10 Aug 2026 |
| Firefighters Mutual Bank | Variable | 6.34% | 6.38% | 80% | 10 Aug 2026 |
| Health Professionals Bank | Variable | 6.34% | 6.38% | 80% | 10 Aug 2026 |
| ING Bank (Australia) Ltd | Variable | 6.34% | 6.38% | — | 10 Aug 2026 |
Sorted by comparison rate. Each broad comparison row shows its own effective date; these rows do not drive the promoted answer or metadata.
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. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Frequently asked questions
- What are the lowest investor interest-only home loan rates?
- As at 31 July 2026, the lowest verified match at 80% LVR is 6.23% p.a. (6.27% comparison rate) from ME Bank - ME Go. The rate and comparison rate come from the same exact row; eligibility still depends on the application.
- How often are these rates updated?
- Promoted rate claims use the verified 80% LVR snapshot dated 31 July 2026. Broader comparison-table rows may refresh more frequently, but they do not drive the answer capsule, metadata or sticky rate.
- Is the lowest rate always the best loan for me?
- Not always. The cheapest headline rate can come without features like an offset account, and your deposit size, income type and goals all change which loan suits you. Use the rate as a starting point, then weigh the features that matter to your situation.
- What is a comparison rate?
- A comparison rate folds most ongoing fees into a single percentage so you can weigh loans on their true cost rather than the advertised headline rate alone. It is the metric these rankings sort on.