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Investor home loan rates: 5.94%

69 lenders · as at 2 Nov 2026

The lowest advertised rate on investor loans that charge principal and interest is 5.94%, on the Northern Inland Credit Union Limited Value Home Loan - Investment. 69 lenders have a current loan here; 2 of them sit within 25 basis points of the lowest. The median of each lender's lowest rate is 6.54%.

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1Northern Inland Credit Union LimitedValue Home Loan - Investment5.94%5.98%Variable · Investor—32026-11-01
2BankVicMembers onlyInvestor Fixed 2 Years6.19%6.53%Fixed 2y · Investor—92026-11-02
3Police Credit Union LtdLow Rate Home Loan Special Offer - Investment6.29%6.33%Variable · Investor0–80%152026-11-01
4Easy StreetSTREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)6.29%6.34%Variable · Investor—42026-11-02
5Summerland BankBasic Variable Investment Loan6.34%6.40%Variable · Investor—32026-11-01
6gmcuFixed Rate Home Loan - Investment6.34%6.54%Fixed 2y · Investor60–80%22026-11-02
7Unity BankAdvantage Home Loan - Investment - Variable P&I - Without Offset6.34%6.59%Variable · Investor—102026-11-02
8Bank of ChinaDiscount Investment Home Loan (With Principal and Interest Repayment)6.38%6.58%Variable · Investor—42026-11-02
9Hume BankliteBlue Investor P+I (up to 60% LVR)6.39%6.40%Variable · Investor—212026-11-02
10Bank FirstBasic Investment Loan Variable LVR<60%6.39%6.44%Variable · Investor0–60%452026-11-01
11Community First Credit UnionGo Basic Variable Home Loan - Investment LVR 80% (Principal and Interest)6.39%6.44%Variable · Investor—172026-11-01
12SWSbankInvestment Standard Variable Home Loan6.40%6.40%Variable · Investor—62026-11-02
13Greater Bank LimitedDiscounted Great Rate Home Loan - Variable Investment6.44%6.45%Variable · Investor—142026-11-01
14Newcastle Permanent (NPBS)Real Deal Home Loan Investment Principal and Interest6.44%6.48%Variable · Investor0–80%42026-11-02
15The CapricornianNo Frills Investment Home Loan6.44%6.49%Variable · Investor0–80%22026-11-02

The 15 lowest of 69 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).

Facts
Lowest rate5.94%: Northern Inland Credit Union Limited Value Home Loan - Investment, recorded 1 Nov 2026
Lenders in this list69
Loans in this list377
Median of each lender's lowest rate6.54%
Lowest to highest lender5.94% to 8.84% (290 basis points)
Lowest comparison rate5.98%: Northern Inland Credit Union Limited Value Home Loan - Investment
Rates as at2 Nov 2026
SourceLenders' public product data (Consumer Data Right) and lender websites, as recorded by RateSonar.
Assistant accessConnect 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 home loan rate in Australia?

Among the 69 lenders in this list, the lowest advertised rate is 5.94% on the Northern Inland Credit Union Limited Value Home Loan - Investment (comparison rate 5.98%), recorded 1 Nov 2026. The median of each lender's lowest rate is 6.54%.

Is the lowest rate also the lowest comparison rate?

Yes, in this list. The Northern Inland Credit Union Limited Value Home Loan - Investment has both the lowest advertised rate and the lowest published comparison rate (5.98%).

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

Each figure is that page's lowest advertised rate. A page appears only when it has at least 8 lenders and 10 loans.

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