Investment home loans

Looking to invest in property? Here’s everything you need to know about an investment home loan.​

Our investment home loan rates

With a Complete Home Loan Package you'll get a home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.

Complete Fixed Home Loan Package

2.34%
p.a.

Three-year fixed rate

3.94%
p.a.

Comparison rate

  • No application fee (other fees and charges may apply)
  • $395 annual fee
  • Choose to make weekly, fortnightly or monthly repayments
  • Multiple 40% offset accounts available. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.

For borrowings up to 90% of the property value and loan sizes of $200,000+. For principal and interest repayments. Different rates apply for interest only repayments.

Complete Variable Home Loan Package

3.92%
p.a.

Variable rate

4.35%
p.a.

Comparison rate

  • No application fee (other fees and charges may apply)
  • $395 annual fee
  • Choose to make weekly, fortnightly or monthly repayments
  • Multiple 100% offset accounts available. 1 Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.

For borrowings up to 90% of the property value and loan sizes of $200,000+. For principal and interest repayments. Different rates apply for interest only repayments.

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Investor loan savings

$2,000 cashback when you refinance to us

Cashback offer

If you’re eligible and you apply to move your home loan to us by 25 February 2022, you could get home loan comfy with $2,000 cashback. 2

Loan must be funded by 30 April 2022. Min. refinance amount $250k. For borrowings up to 90% (including lenders mortgage insurance) of the property value. Excludes refinances from Bankwest and CommBank. Eligibility requirements and T&Cs apply.

50% discount on a depreciation schedule

Depreciation schedule offer

Make tax time as a property investor easier with a depreciation schedule. If you have an eligible Complete Home Loan Package, you can get a minimum 50% discount on a deprecation schedule prepared by Deppro Pty Ltd. 3 If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.

Helping you invest in property

When it comes to investment home loans, our team of Home Lending Specialists know their stuff.

Know your financial situation

Get clarity on what's involved in investing; from your initial deposit, using equity to on-going expenses.

Free property reports

Make an informed decision when buying an investment property with property histories, suburb reports and current rental prices. 4 The information contained in the Property Report is prepared by a third party. Bankwest is not responsible for the accuracy and completeness of the information generated in the report and it should not be relied upon as a valuation of the subject property.

Approved in Principle

Feel confident when you make an offer or bid at auction by knowing how much you'll likely be able to borrow.

Choosing the right loan

We'll help structure your home loan to suit you, with options.

A home loan application from your couch

With a Bankwest home loan you could sign your home loan documents and track your application online, anytime it suits you. 5 6

Investment home loan calculators

Repayments calculator

Get an idea of your regular repayments and see how much you could save if you make extra repayments.

How much can I borrow calculator

Estimate how much you could borrow based on your income, expenses and current home loan.

Home loan fees calculator

Get an estimate on stamp duty, Lenders Mortage Insurance and other non-standard home buying fees that come with purchasing a property.

Home loan comparison calculator

See if refinancing your loan could save you money on interest in the long term.

Delve deeper into property investment

The basics of buying an investment property

From compound growth to depreciation; make smarter decisions with these basic guidelines.

Using equity to buy an investment property

Learn about calculating and using the equity in your current home towards your investment loan deposit.

We're ready to help

Your very own Home Lending Specialist will respond within one business day. You can talk on the phone, meet at a branch, or have a Mobile Lending Manager come to you.

What’s the comparison rate?
It’s a tool that can help you identify the truer cost of a loan. It’s calculated using a standard formula that includes the interest rate, as well as certain fees and charges relating to a loan (not all fees and charges are included).

Comparison rate warning:
Comparison rate is calculated on the statutory assumption of $150,000 loan over 25 years but the minimum required loan amount is $200,000 for the Complete Home Loan Package. Different rates apply for different loan amounts and may depend on the duration of a fixed rate period or the ratio of the loan amount to the property value. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Complete Home Loan Package:
Lending and eligibility criteria, and fees and charges apply including an annual package fee of $395. Terms and conditions apply and are available on request. The Complete Home Loan Package is available to individuals and eligible family trusts. Minimum initial loan size $200,000. The package consists of an eligible home loan, one optional eligible credit card per customer and optional Offset Transaction account. Other exclusions apply. Consider the Offset Transaction Account Product Disclosure Statement (PDS) available from bankwest.com.au and whether the product is right for you. Mastercard is a registered trademark of Mastercard International Incorporated. Variable rate is subject to change.

  1. Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply.
  2. Home loan cashback promotion is available to Australian residents aged 18+ who refinance a property with a new Bankwest home loan.

    • Home loan application must be submitted for full approval within the promotional period 12 November 2020 and 25 February 2022
    • Home loan must be funded on or before 30 April 2022
    • Lending must be new to Bankwest (refinances of existing Bankwest and CommBank loans are excluded from this offer)
    • Lending must not exceed a loan to value ratio (LVR) of 80% for applications received from 12 November 2020 to 14 September 2021​
    • Lending must not exceed a LVR of 90% (including lenders mortgage insurance) for applications received from 15 September 2021 to 25 February 2022
    • Repayment type can be principal and interest or interest only
    • Available on owner occupier and investor home loans
    • Minimum home-loan-specific refinance amount ≥$250k (excludes debt consolidation of personal loans and credit cards)
    • Any available Bankwest home loan product is eligible
    • Normal lending policies apply
    • This offer is not available in conjunction with any other promotions
    • Only one cashback per Eligible Customer. Only one cashback per eligible home loan. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Maximum cashback amount of $2,000.

    See full T&Cs (PDF)

  3. If you take out a Bankwest home loan for investment purposes, you will be contacted by Deppro Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by Deppro Pty Ltd.
  4. The information contained in the Property Report is prepared by a third party. Bankwest is not responsible for the accuracy and completeness of the information generated in the report and it should not be relied upon as a valuation of the subject property.
  5. Digital signing excludes home loan transfers. Other exclusions apply. Due to state laws, restrictions apply to digitally signing the Mortgage Form in some States and Territories. Customers must have access to a device (computer or tablet recommended) with internet and email access.
  6. Application tracker not available on lines of credit. Other exclusions may apply.