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Lowest interest-only investment loan rates

Ranked for a $600,000 loan on an $800,000 property (75% LVR). Change any input and the list re-ranks for you.

The Mac is cheapest at 6.17%: $3,085 a month.

181 offers from 65 lenders match, cheapest cost over 5 years (repayments plus fees) first.

  1. 1
    The MacGOVT LOW DEP VARIABLE OOC PI
    6.17%comparison 5.98%*
    $3,085a month
    5 years cost $186,695
    Lender site ↗
    Details
    • Fees counted: $1,595 upfront
  2. 2
    Southern Cross Credit UnionBROKER HOME LOAN
    6.33%comparison 6.56%*
    $3,165a month
    5 years cost $191,875
    Details
    • Lender’s note: Interest Only options available for up to 5yrs at a time. Rate reverts to variable PI rate of applicable LVR tier upon expiry.
    • Also sold as: EMONEY HOME LOAN, LJH 5STAR HOME LOAN, PREMIUM HOME LOAN
    • Fees counted: $395 a year
  3. 3
    SWSbankInvestment Home Loan - Interest Only
    6.40%comparison 6.40%*
    $3,200a month
    5 years cost $192,000
    Lender site ↗
    Details
    • Fees counted: none published
  4. 4
    Maitland Mutual LimitedPackage Home Loan
    6.39%comparison 6.73%*
    $3,195a month
    5 years cost $193,675
    Lender site ↗
    Details
    • Lender’s note: LVR up to 59.99%.
    • Fees counted: $395 a year
  5. 5
    Easy StreetSTREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)
    6.44%comparison 6.40%*
    $3,220a month
    5 years cost $193,700
    Lender site ↗
    Details
    • Fees counted: $500 upfront
  6. 6
    Regional Australia BankRegional Australia Bank Home Loan (Non Offset)
    6.49%comparison 6.52%*
    $3,245a month
    5 years cost $195,125
    Lender site ↗
    Details
    • Lender’s note: Loan to Value Ratio (LVR) is calculated by dividing the loan amount by the value of the property (as assessed by Regional Australia Bank). There may be a difference between the purchase price and the value of the property. Interest rates are on a per annum basis and are current for new loan contract
    • Fees counted: $425 upfront
  7. 7
    Queensland Country BankHome Loan-Package
    6.44%comparison 6.45%*
    $3,220a month
    5 years cost $195,225
    Details
    • Fees counted: $50 upfront, $395 a year
  8. 8
    Maitland Mutual LimitedPackage Home Loan
    6.49%comparison 6.83%*
    $3,245a month
    5 years cost $196,675
    Lender site ↗
    Details
    • Lender’s note: LVR 60% to 79.99%.
    • Fees counted: $395 a year
  9. 9
    CommFCUGo Basic Variable Home Loan - Investment LVR 80% (Interest Only)
    6.49%comparison 6.48%*
    $3,245a month
    5 years cost $197,050
    Lender site ↗
    Details
    • Fees counted: $2,100 upfront, $50 a year
  10. 10
    ME Bank - ME GoME Bank EconoME Home Loan
    6.54%comparison 6.55%*
    $3,270a month
    5 years cost $197,120
    Lender site ↗
    Details
    • Lender’s note: VARIABLE Rate, INV, IO, VARIABLE - LVR 70 - 80% - Balance >=$150k
    • Fees counted: $900 upfront, $4 a year

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.