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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.

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Get 300,000 Qantas Points when you apply or switch to an eligible ANZ home loan

Take off to Rome, Honolulu or more dreamy destinationsdisclaimerwith 300,000 Qantas Points when you apply or switch to a new eligible ANZ home loan of $300k or more and LVR 80% or less.disclaimer

The best bit? Come home to discounted home loan rates on eligible loans from ( comparison rate).disclaimer

See where 300,000 Qantas Points could take you

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

Flexibility with plenty of features

ANZ Standard Variable Residential Investment

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Principal and interest

Comparison ratedisclaimer

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

 

  • Make extra repayments any time
  • Redrawdisclaimer available funds (if you make extra repayments)
  • Save on interest with an offset account ($10 a month)disclaimer

More about ANZ Standard Variable Residential Investment

  

The certainty of fixed repayments

ANZ Fixed Residential Investment
 

 disclaimer disclaimer

Principal and interest

Comparison ratedisclaimer

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

 

  • Your interest rate won't change during the fixed period
  • Choose from 1, 2, 3, 4, 5, 7 and 10 year fixed rate termsdisclaimer

More on ANZ Fixed Residential Investment

  

Keep it simple with basic features

ANZ Simplicity PLUS Residential Investment

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Principal and interest

Comparison ratedisclaimerTooltip

 
Interest rate with special offer discountdisclaimer when borrowing 80% or less of the property value.disclaimer

 

  • Competitive variable interest rates
  • Make extra repayments any time 
  • Redrawdisclaimer available funds (if you make extra repayments)

More on ANZ Simplicity PLUS Residential Investment

  

    See all rates Apply online

Have an existing ANZ Breakfree Package and want to link your loan? See here

Need a bit more detail on our home loans?

Our home loans comparison tool can help you compare interest rates, loan terms, fees and features.

Compare home loans

Investment property loan calculators

Got a number? Apply for pre-approvaldisclaimer

Budget, bid and buy with more confidence.

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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 370kB) 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.

  

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 $150,000 and your interest rate was 6% p.a., your interest charge would be: $150,000 x 6% divided by 365 days = $24.66 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 412kB) 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.

  

Be ready to make your move with ANZ Buy Ready

Find out how much you could borrow,disclaimerwhat a property could sell fordisclaimerand how to pay your deposit, so you have more confidence to get on top of property buying. 

Get ANZ Buy Ready

Connect with our home loan specialists or apply

Quick Start home loan application

Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan or to refinance or top up your existing ANZ home loan.

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Visit a branch or ANZ Home Centre

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Call us

1800 100 641

Monday - Friday
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You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

   

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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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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 conditionsProduct 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 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 rate loan 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.

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 an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this 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 ANZ Fixed, this discount is  for loans with a LVR greater than 80% and  for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

* 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.

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. Rate includes a discount on the ANZ Standard Variable index rate. 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.

Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

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Eligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).

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The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. 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 property price range estimate is an estimate only. It is based on certain available information and is not a valuation of a property or guarantee of its market value or future sale price. Price ranges 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 412kB).

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

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The interest rate shown includes an interest rate discount from the index rate and applies to home loan applications or renewals submitted on and from 19 March 2022. For ANZ Standard Variable, this 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 ANZ Fixed, this discount is  for loans with a LVR greater than 80% and  for loans with a LVR 80% or less. This interest rate discount is not available for eligible loans linked to an existing Breakfree Package. Eligible loans linked to the Breakfree Package will receive an interest rate discount under the Breakfree Package. To view rates that apply to loans linked to the ANZ Breakfree Package and for more information, see here.

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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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Terms and Conditions and eligibility criteria apply to ANZ Redraw. ANZ Redraw is not available on loans in a company name. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF 412kB).

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Please refer to ANZ Personal Banking Account Fees and Charges (PDF 100kB) for fees and charges that apply.

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

This estimate is based on the accuracy of the limited information provided. It is also based on a loan term of 30 years, payment type principal and interest and either an ANZ Standard Variable rate for home loans or an ANZ Standard Variable rate for residential investment property loans depending on the type of property you have selected. Rate includes a discount on the ANZ Standard Variable index rate. 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.

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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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