Interest Only Home Loans

Maximise Your Cash Flow. Unlock Flexible Property Strategies.

Sometimes, paying down a mortgage as fast as possible isn’t the primary goal. If you are an investor looking to optimise tax benefits, or a buyer needing to maximise short-term cash flow, an Interest-Only loan can be a highly effective financial tool.

At Lendable, we look far beyond the Big Four banks to find agile, secondary lenders offering flexible interest-only terms. We help you cut through the complexity to see if an interest-only structure aligns with your broader wealth-building strategy.

  • MORE THAN JUST A BROKER

How Does an Interest-Only Loan Work?

With a standard home loan, your repayments cover both the principal debt and the interest. With an Interest-Only loan, your monthly commitment changes.

During the Interest-Only Period: Your repayments only cover the cost of borrowing the money. Because you aren’t paying down the actual balance of the loan, your monthly repayments are significantly lower.

After the Interest-Only Period: These terms are temporary, typically lasting between 1 to 5 years. Once the interest-only period ends, the loan automatically reverts to a standard Principal and Interest (P&I) structure, and your payments will increase to ensure the loan is paid off over the remaining term.

  • FIND A SOLUTION

The Strategic Advantage: Why Choose Interest-Only?

  • Boost Investment Cash Flow: For property investors, keeping monthly out-of-pocket expenses low allows you to redirect surplus cash into other investments, renovations, or everyday expenses.
  • Maximise Tax Deductions: In Australia, the interest on an investment property loan can be tax-deductible. By keeping the principal balance high, you maintain maximum deductible interest while using excess cash to pay down non-deductible debt (like your owner-occupier home loan).
  • Short-Term Budget Relief: If you are navigating a temporary drop in income – such as taking parental leave, changing careers, or managing a major renovation – an interest-only period can ease financial pressure when you need it most.

Why Choose Lendable for Your Interest Only Loan?


We Navigate the Strict Rules

Lenders assess interest-only loans quite strictly to ensure you can afford the higher repayments once the period ends. We know exactly how to position your application with the right lenders to secure a smooth approval.


We Plan for the Future

We don’t just set up a loan for today – we plan for tomorrow. We ensure your loan features agile options, like an offset account, so you can still reduce your interest costs without permanently locking away your cash.


Transparent, Strategic Advice

No confusing bank jargon, just honest advice on the rates, fees, and long-term implications so you can move forward with confidence.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

Ready to Optimise Your Property Strategy?

An interest-only loan requires a sharp, calculated approach. Let our team crunch the numbers, assess your unique financial situation, and find a solution that puts your goals first.