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Why choose us when your clients invest in property

Your dedicated BDM

Get the backing you want and deserve, with a direct line to your own dedicated, professional Business Development Manager. Includes support enhancements that could make your life easier.


Handy credit policies

We consider rental income and negative gearing, which can improve serviceability and borrowing power. And our Medico Policy means eligible professional clients could qualify for up to 95% LVR, and no LMI.

Swifter service

As at March 2024, our time to decision is around 5 days on average – giving you another good reason to do business with St.George.

Advantages for your St.George clients

Portfolio packaging 

An all-in-one $395 annual package fee# that covers every packaged home loan your client has with us – with discounts on loan interest rates, a credit card and Landlord Insurance.

Landlord Insurance

Up to 10% discount on Landlord Insurance** premiums across every packaged home loan your client has with us. An all-in-one $395 annual package fee# applies. 

Fixed rate redraw

Unlike many other banks, we allow your clients to access cashflow – by redrawing from their fixed account during their fixed rate term*.  

Interest in advance

Your investment property clients have the option of a fixed interest rate discount by paying 12 months of Interest Only in Advance***

To share with your clients

The investor hub

Includes offset expense tips, FAQs, guides and tools. Keep a look out for ongoing enhancements to this invaluable resource.

First home buyer

Rentvesting can help get a foot in the front door: your client buys a property and rents it out. They might live interstate, rent or board with parents. 

Owns a property, but new to investing

Your client could rent out their place as an investment property or buy somewhere else and rent that out instead.  

Ready for their next investment property

Whatever their portfolio needs more of – acreage, a new granny flat, or something else – you could help make it happen. 

Property investor guides & calculators


Doing the sums

Calculating expenses and net rental yield.

Property investor guide

A printable PDF to share with your clients.

Important information

Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 43KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

#Advantage Package: Terms & Conditions (PDF 648KB) apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is right for you.

*Redraw facility: if you have 'available funds' (you’re ahead on your home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 83KB) for full details.

**Home and Landlord Insurance: Advantage Package customers may be eligible for an ongoing premium discount of up to 10% on their St.George Home and Landlord Insurance policies. If you are also eligible for a combined or other policy discount, Allianz will apply the Package discount to the already discounted premium. This means the effect will be reduced. If you purchase your policy online, the Package discount will be applied after purchase and Allianz will inform you of your revised premium (this may take up to 3 months).  Allianz will then provide a refund for premium paid annually or provide a pro rata refund and reduce your remaining monthly instalments. If you take out an Advantage Package after your policy has been issued, then the Package discount will apply from your next renewal. Discounts do not apply to optional covers for Domestic/Landlord workers’ compensation (if available and selected). Any discounts may be subject to rounding and do not apply to taxes or government charges.

Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the initial issue of the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 33 30.

If you take out Home and Contents Insurance with Allianz the Bank will receive a commission of up to 12% of the premium (exclusive of GST).

***Interest in Advance: a discount of 0.2% p.a. will apply only if the Interest in Advance amount is deducted from a St.George transaction account. Interest must be paid in advance annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance, the Interest in Advance discount will be removed for subsequent years.