Investment Property Loans › What are the tax benefits of an investment property loan?

What are the tax benefits of an investment property loan?

The interest on an investment loan, along with costs such as property management, maintenance and depreciation, can generally be claimed as a tax deduction against your income. Your accountant confirms what applies to you.

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

Why this matters

Tax treatment is a major reason people invest in property, but it is also where mistakes are costly. The deductibility depends on the purpose of the borrowing, not the security, so how the loan is set up matters. This is general information, your accountant should confirm your specific deductions and structure.

The key points

Loan interest is generally tax deductible for investors.
Management, maintenance and depreciation may also be claimed.
Deductibility depends on the purpose of the borrowing.
Confirm your specific position with your accountant.

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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.