Investing in property

See our rates and read about the benefits of investing, whether you're interested in rental income, capital growth or negative gearing.

Apply online


Featured investor rates
(LVR+ up to 70%)

Why choose St.George?

Rental income
Purchase an investment property and lease it to receive ongoing, regular income from rent.
Capital gains
Buy a property as an investment and you could benefit from a gain in capital if you sell for more than what you paid.
Tax benefits
Save tax with negative gearing if your interest repayments and outgoings are higher than your rental income.
Usable equity
Borrow up to 90% of the equity gained when your home increases in value and use it to purchase other properties.


Guides and tools for investing

Looking into investing in property?

Here’s a few things to consider when it comes to your property portfolio and investment journey.

Read article

Set your strategy early

Is your goal to build wealth from capital growth? Will you use equity in your current property? Are you interested in rental income or negative gearing?

Read article

Research your investment

Search a property or suburb for sales histories, estimated value, expected rent and local amenities, with our full online Property Reports.

Mortgage repayment calculator

See how much you may need to pay back each week or month.

Calculate repayments

Stamp duty calculator

Work out how much you could pay in stamp duty and other fees.

Calculate stamp duty

Explore our calculators

Our home loan calculators can help you plan your nex step, whether you're buying or refinancing.

Get $2K cashback when you refinance to us

$2K

Cashback^ When you Refinance


Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $2K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

Looking to refinance?

 

 

It's easy to get started

 

Save time, apply online 

Apply online for a home loan, conditional approval or to switch to us.

  • You could get approval in 1 business day
  • Dedicated lender will support you from application to settlement.

 

Get started


Learn more about applying


 

Book an appointment

A member of our team will be in touch within 1 business day.

  • They’ll answer your questions and guide you through your next steps.
  • A lender can start your application for you.

 

Book appointment


Keep exploring

I want to…

Home loans

Manage your home loan

Need to make changes to your existing home loan?

Apply online

Complete our application online and a dedicated lender will call you.

Get started

Book a lender

Got some questions? Our home lenders are here to help.

Call us on

1300 304 660

To talk with a St.George home loan agent.
(8am-8pm Mon-Fri and 9am-6pm Sat)


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)

Advantage Package - Terms and Conditions (PDF 2MB)

*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

+LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

^^Advantage Package Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from a St.George Complete Freedom transaction account. Before deciding to open a St.George Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you. 

# Excludes loan applications for owner occupier purposes (where the owner owns the property in which they live or intend to live in). Includes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $2,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.