Investment Property Loans › How much deposit do I need for an investment property?

How much deposit do I need for an investment property?

Commonly around 20 percent plus purchase costs such as stamp duty, which avoids lenders mortgage insurance. Some lenders accept a smaller deposit with insurance, and many investors use equity in their own home instead of cash.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

Deposit options for investors are broadly similar to owner occupiers, but most aim for around 20 percent to sidestep lenders mortgage insurance and access better pricing. The twist is that the deposit often comes from home equity rather than savings, which lets investors move without cash on hand.

The key points

Around 20 percent avoids lenders mortgage insurance.
Smaller deposits are possible with insurance.
Many investors use home equity as the deposit.
Budget for stamp duty and purchase costs too.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.