Topical pillar · Last reviewed
Investment property finance in Australia
Investor home loans are priced 0.20-0.40% above owner-occupier rates because APRA treats them as higher prudential risk. Most investor loans use interest-only repayments to maximise tax-deductible interest, paired with negative gearing where allowed and tax depreciation schedules (Division 40 + Division 43) to drive a $5,000-$15,000 first-year tax deduction.
What this topic covers
- Live rate hubs (1): Investor home loans hub
- Calculators (6): Property cashflow calculator · Rental yield calculator · Tax depreciation schedule · SMSF borrowing calculator · +2 more
- Glossarys (7): Investor home loan · Interest-only (IO) · Negative gearing · Tax depreciation (Div 40 + 43) · +3 more
Resource index
| Kind | Resource | What it's for |
|---|---|---|
| Live rate hub | Investor home loans hub | — |
| Calculator | Property cashflow calculator | — |
| Calculator | Rental yield calculator | — |
| Calculator | Tax depreciation schedule | — |
| Calculator | SMSF borrowing calculator | — |
| Calculator | Granny flat ROI | — |
| Calculator | Land tax calculator | — |
| Glossary | Investor home loan | — |
| Glossary | Interest-only (IO) | — |
| Glossary | Negative gearing | — |
| Glossary | Tax depreciation (Div 40 + 43) | — |
| Glossary | Capital gains tax (CGT) | — |
| Glossary | Cross-collateralisation | — |
| Glossary | Home equity | — |
Related topics
Topic curated and reviewed by the Ratesniffers Editorial Team. Last reviewed 2026-06-02. General information only — not personal financial advice.