Investment Home Loans Interest Rates

You’ll find all the interest rates for our investment home loans on this page.

Principal & Interest Annual Rate Comparison Rate 1
Variable Rate (>80% to 90% LVR LMI waived for select professionals*) 6.99% p.a. 7.03% p.a.
Variable Rate (up to 90% LVR with LMI) 6.49% p.a. 6.43% p.a.
Variable Rate (up to 80% LVR) 6.19% p.a. 6.23% p.a.
Variable Rate (up to 70% LVR) 6.19% p.a. 6.23% p.a.
Variable Rate (up to 60% LVR) 6.04% p.a. 6.08% p.a.
Variable Rate (up to 50% LVR) 6.04% p.a. 6.08% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year (>70% to 80% LVR) 6.29% p.a. 6.24% p.a.
Variable Rate 1 Year (>60% to 70% LVR) 6.29% p.a. 6.24% p.a.
Variable Rate 1 Year (>50% to 60% LVR) 6.29% p.a. 6.10% p.a.
Variable Rate 1 Year (Up to 50% LVR) 6.29% p.a. 6.10% p.a.
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Expect More Investment Home Loan Annual Rate Comparison Rate 1
Variable Rate (>80% to 90% LVR LMI waived for select professionals*) 7.29% p.a. 7.43% p.a.
Variable Rate (up to 90% LVR with LMI) 6.74% p.a. 6.89% p.a.
Variable Rate (up to 80% LVR) 6.44% p.a. 6.59% p.a.
Variable Rate (up to 70% LVR) 6.44% p.a. 6.59% p.a.
Variable Rate (up to 60% LVR) 6.24% p.a. 6.38% p.a.
Variable Rate (up to 50% LVR) 6.24% p.a. 6.38% p.a.
Interest Only Annual Rate Comparison Rate 1
Variable Rate 1 Year (Up to 50% LVR) 6.49% p.a. 6.41% p.a.
Variable Rate 1 Years (>50% to 60% LVR) 6.49% p.a. 6.41% p.a.
Variable Rate 1 Years (>60% to 70% LVR) 6.64% p.a. 6.61% p.a.
Variable Rate 1 Years (>70% to 80% LVR) 6.64% p.a. 6.61% p.a.
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Principal & Interest Annual Rate
Special Rate Applicable 9.21% p.a.
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Rates current as of 21 May 2025

*The following professions may be eligible for the LMI waiver: Medical Professionals, Registered Accountants, Financial Analysts or Actuaries (CA,CPA, FIAA, and CFA), Registered Solicitors or Barristers, Registered Engineers and Commercial Pilots.

Medical professionals need to be accredited under the following accreditation authorities in Australia: Medical Board, Chiropractic Board, Dental Board, Medical Radiation Practice Board, Nursing and Midwifery Board, Optometry Board, Occupational Therapy Board, Osteopathy Board, Paramedicine Board ,Pharmacy Board, Physiotherapy Board, Podiatry Board, Psychology Board. N.B. – Veterinarians, and Psychiatrists are also approved as a medical professional.


 

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Standard lending criteria, fees and charges apply. Interest rates available as at 12th March 2025, and are subject to change without notice. The advertised interest rates are only available to new loans with a LVR of 90% or less and excludes bridging loans, construction loans, internal refinances or switches for existing loans with Bank of Sydney. The advertised rates include a discount off our standard variable rate for owner occupied or investment home loans. Talk to your lender for more information. Interest rates as stated are subject to change which can occur prior to the settlement of your loan. Lenders Mortgage Insurance (LMI) may apply for LVRs over 80%. Lending terms and conditions apply. LMI is not included in calculations for Comparison Rates.
 
1 The comparison rate is based on a loan of $150k over the term of 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.

All applications subject to meeting lending criteria and Bank of Sydney approval.

Please take a moment to read through the below information before applying, as this advice is general and does not take into account specific individual needs.

Consumer Loan Terms & Conditions

Lending Facilities Fees & Charges Guide

Target Market Determination (TMD) for these products is available here.

More information about our product and services is available here.

Bank of Sydney Ltd ABN 44093488629 AFSL & Australian Credit Licence No. 243444