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Working with you every step of the way

As well as great rates and low fees across our entire range of investment home loans, you’ll also receive great service and support. Take a look at the steps below to see how simple it can be.


Step 1

Understanding the process

Buying an investment property can be quite different to purchasing a home you plan to live in. And so, the process you go through can be quite different too. Consider taking the steps below so you’re well equipped for your investment journey ahead.

  • Get prepared to buy – ask yourself if property investment is the right move for you, find out if you can access any equity to help with your purchase, and get a good grasp of the costs surrounding an investment property
  • Pick the perfect place – depending on what you’re looking for, it may take some time to find the ideal investment property. So be sure to stick to your checklist of key inclusions, and always get building and pest inspections once you find a potential place.
  • Work out your borrowing power – while you probably know what you’d like to borrow, it’s always useful to know how much you’re likely to be lent (see step 2 below).
  • Apply for the loan – once you’ve worked out the best loan for you, apply usually by starting the application process online and then talking to a lending specialist.
  • Protect your property – consider getting household insurance to cover your investment, and fixtures and fittings.
Step 2

Working out the numbers

While you’ve done it all before, it’s always good to get a refresher on those extra costs you’ll be up for. Remember to factor in things like: 

Home buying tip!

Put your emotions to one side when investing in property. Either from capital growth or rental returns (or both) it’s about gaining financially, not whether you’d like to live there yourself.

Step 3

Getting your loan

Once you’ve found your investment property, and done your figures, it’s time to find the loan to suit your needs.

Fixed Rate

Lock in your repayment amounts so you can plan your budget with confidence.

4.14 % p.a Investor
5.24 % p.a Comparison rate
View key features
  • Security of fixed repayment amounts
  • Additional repayments available, up to $10,000 p.a.
  • 1,2,3 and 5 year terms available

Mortgage Breaker

The full feature variable option to help you manage your loan and pay it off more quickly.

1 year intro 4.12 % p.a Investor
5.36 % p.a Comparison Rate
View key features
  • 100% offset facility
  • Access to 3-month repayment pauses
  • Flexibility of a split loan option
  • Unlimited additional repayments

Get pre-approval

After you’ve chosen the loan for you, it pays to get as prepared as you can. Securing pre-approval is a smart move – it’s free and valid for up to three months, giving you plenty of time and confidence to search for your property.

Get your pre-approval and be ready to buy.


Apply now Download fact sheet
Step 4

Getting the most out of your RACQ membership

When it comes to buying an investment property, we’re here to provide you with the same high level of service and help you’ve come to expect from us. Plus, you’ll also get access to the following advantages:

  • Great low rates and fees, with a range of loans to suit you
  • Dedicated lending specialists and access to mobile lenders
  • Member discounts on homewares and home services 
  • Queensland-based 24/7 call centres and dedicated branch network
Apply now