Investment Property Loans › What is an investment property loan?

What is an investment property loan?

An investment property loan is a mortgage used to buy a property you intend to rent out rather than live in. Lenders assess it a little differently to an owner occupier loan, often weighing expected rental income alongside your own income.

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

Why this matters

The core mechanics are similar to a normal home loan, but lenders treat investment lending as slightly higher risk, which can affect the rate and assessment. The rental income the property is expected to earn becomes part of the picture. Getting the structure right from the start protects your tax position and your future borrowing.

The key points

A loan to buy a property to rent out, not live in.
Assessed a little differently to owner occupier loans.
Expected rental income forms part of the assessment.
Structure matters for tax and future borrowing.

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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.