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Investment Home Loans, April 2026

Investor rates typically sit 20–40 bps above owner-occupier. Our broker models interest-only vs P&I, offset vs debt recycling, and the tax picture end-to-end.

Rates updated 29 Apr 2026|1,191 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team

Top Home Loan Rates in April 2026

Investor rates in April 2026 typically sit 20–40 bps above owner-occupier — but the spread varies by lender. Below are the sharpest investor rates we're tracking right now, including the standout interest-only product for negative-gearing strategies.

Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Hume BankliteBlue Investor P+I (up to 60% LVR)
5.89%
5.90%
—
Fixed rate
BankVicInvestor Fixed 2 Years
6.09%
6.10%
—
Interest only
Auswide Bank LtdBASIC HOME LOAN
5.99%
6.02%
—
ME Bank - ME Go logoOnline
ME Bank EconoME Home Loan
InvestorVariableP&IRedrawExtra repayments$3,000 cashback
Cashback eligibility
  • Min loan $700,000
  • Max LVR 80%
  • Aggregate split refi loans to meet $700k minimum (same customer, same submission)
  • Mixed refi + purchase apps eligible — one $3k per application
  • Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
  • Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.93%p.a.
Comparison*
5.95%p.a.
Monthly repayment
$2,975
LVR —
More details
Auswide Bank Ltd logo
BASIC HOME LOAN
InvestorVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR —
More details
Unloan logoOnline
Unloan Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
—
Monthly repayment
$3,043
LVR 80–90%
More details
*Important Information and Comparison Rate 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. 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.