Investor interest-only home loan rates: 6.39%
37 lenders · as at 2 Nov 2026
The lowest advertised rate on investor loans that charge interest only is 6.39%, on the BankVic Investor IO Fixed 2 Years. 37 lenders have a current loan here; 11 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.79%. That is 45 basis points above the lowest investor principal and interest rate (5.94%).
| 1 | BankVicMembers only | Investor IO Fixed 2 Years | 6.39% | 6.56% | Fixed 2y · Investor · Interest only | — | 5 | 2026-11-02 |
| 2 | Easy Street | STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only) | 6.44% | 6.40% | Variable · Investor · Interest only | — | 4 | 2026-11-02 |
| 3 | Community First Credit Union | Go Basic Variable Home Loan - Investment LVR 80% (Interest Only) | 6.49% | 6.48% | Variable · Investor · Interest only | — | 16 | 2026-11-01 |
| 4 | Greater Bank Limited | Discounted Great Rate Home Loan - Variable Interest Only Investment | 6.54% | 6.49% | Variable · Investor · Interest only | — | 14 | 2026-11-01 |
| 5 | Bank of China | Discount Investment Home Loan (with Interest Only Repayment) | 6.58% | 6.78% | Variable · Investor · Interest only | — | 3 | 2026-11-02 |
| 6 | Hume Bank | liteBlue Investor I/O (up to 60% LVR) | 6.59% | 6.49% | Variable · Investor · Interest only | — | 21 | 2026-11-02 |
| 7 | Coastline Bank | Interest Only (Investment) | 6.59% | 6.66% | Variable · Investor · Interest only | 60.01–80% | 1 | 2026-11-01 |
| 8 | Newcastle Permanent (NPBS) | Premium Plus Package Fixed Rate Home Loan Investment Interest Only | 6.59% | 8.51% | Fixed 1y · Investor · Interest only | 0–80% | 4 | 2026-11-01 |
| 9 | Unity Bank | Momentum Home Loan 60LVR - Property Investor - Variable I/O | 6.60% | 6.65% | Variable · Investor · Interest only | — | 10 | 2026-11-01 |
| 10 | Bank First | Basic Investment Loan Variable IO LVR<60% | 6.64% | 6.55% | Variable · Investor · Interest only | 0–60% | 35 | 2026-11-01 |
| 11 | P&N Bank | Fixed Home Loan Inv IO LVR<80 | 6.64% | 6.76% | Fixed 1y · Investor · Interest only | — | 8 | 2026-11-01 |
| 12 | Orange Credit Union | Premium Home Loan Fixed 24 mths Interest Only Investment | 6.69% | 6.78% | Fixed 2y · Investor · Interest only | — | 3 | 2026-11-02 |
| 13 | Cairns bank | INVESTMENT PLUS HL FIXED 1YR <60 LVR IO | 6.74% | 6.55% | Fixed 1y · Investor · Interest only | — | 20 | 2026-11-01 |
| 14 | UBank | Neat - INV Variable IO | 6.74% | 6.65% | Variable · Investor · Interest only | 70.01–80% | 3 | 2026-11-02 |
| 15 | BCU Bank | Investment IO Fixed Home Loan | 6.74% | 6.72% | Fixed 1y · Investor · Interest only | — | 3 | 2026-11-01 |
The 15 lowest of 37 lenders are shown, one loan each. Ranked by advertised rate; a lower advertised rate is not always the lower comparison rate. Every loan, with exact tiers and fees, is on the full home loan board. For the Moneysmart explainers, see fixed vs variable ratesand interest-only loans (links checked 2 Nov 2026).
| Lowest rate | 6.39%: BankVic Investor IO Fixed 2 Years, recorded 2 Nov 2026 |
|---|---|
| Lenders in this list | 37 |
| Loans in this list | 255 |
| Median of each lender's lowest rate | 6.79% |
| Lowest to highest lender | 6.39% to 8.89% (250 basis points) |
| Lowest comparison rate | 6.25%: Cairns bank CLASSIC INVESTMENT HL VARIABLE <60 LVR IO |
| Rates as at | 2 Nov 2026 |
| Source | Lenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar. |
| Assistant access | Connect an AI agent at https://api.ratesonar.com; the steps for each tool are at ratesonar.com/agents. No sign-up and no key. Series calls without a key return the last 31 days. |
Common questions
What is the lowest investor interest-only home loan rate in Australia?
Among the 37 lenders in this list, the lowest advertised rate is 6.39% on the BankVic Investor IO Fixed 2 Years (comparison rate 6.56%), recorded 2 Nov 2026. The median of each lender's lowest rate is 6.79%.
Is the lowest rate also the lowest comparison rate?
No. The lowest published comparison rate in this list is 6.25% on the Cairns bank CLASSIC INVESTMENT HL VARIABLE <60 LVR IO, which advertises 6.79%. A comparison rate folds most fees into one figure, so the two rankings can differ.
How does this compare with the lowest investor rate?
The lowest rate here, 6.39%, is 45 basis points above the lowest investor principal and interest rate RateSonar recorded (5.94%, Northern Inland Credit Union Limited). Both are advertised rates recorded as at 2 Nov 2026 or earlier, not offers.
How does RateSonar choose which loans are listed?
It lists current standard home loans that state a rate and have a fresh record (evidence grade A or B). Special-purpose loans such as green, first home, SMSF, construction or bridging loans are not ranked here. Each lender appears once, with its lowest rate in this list.
Are these rates offers, and does RateSonar take applications?
No to both. These are the rates lenders advertise, with the day RateSonar recorded each one. RateSonar is not affiliated with any lender, takes no applications and has no sponsored rows. This is general information, not financial advice. Check the rate and conditions with the lender before you act.
Other home loan types
- Investor5.94%
- Investor fixed6.19%
- Investor 1-year fixed6.29%
- Investor 2-year fixed6.19%
- Investor 3-year fixed6.39%
- Investor 4-year fixed6.59%
- Investor 5-year fixed6.59%
- Variable5.69%
- Fixed5.99%
- Interest-only6.19%
Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.