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Property investing: a doorway to wealth

Bricks & mortar
As well as the stability of a tangible asset, you could increase a property’s value through renovating – something you can’t do with stocks and bonds.
Potential for growth
Since the 70s, Aussie property values have shown good overall capital growth and tend to offer more stability than other types of investments, like shares.
Income & tax potential
Reliable tenants provide an ongoing income. You could save on tax with negative gearing if your interest repayments and expenses are higher than your rent income.

Paving the way to an investment property

1. Knowing your price range

How much could you borrow? Figure out your borrowing power to get an idea of the properties and locations you can afford.

Borrowing power calculator


2. Raising capital

Accumulate the necessary deposit to secure your investment.

Stamp duty & costs calculator


3.  Researching

Dive deep into potential emerging hotspots, with a quick property and suburb snapshot: rental yield, local sales and demographics. 

Property & suburb reports


4. Getting the green light

Start your no obligation application. A lender will call to firm up your loan amount, rate and potential pre-approval.

Start applying

Negotiate your investment home loan interest rate

Talk about better cash flow

One of our helpful lenders will call you back to chat about some rates – including a variable interest rate with offset, calculated just for you.

What stage are you at?

I’m starting out, this will be my first

Rentvesting can be a smart way to get your foot in the front door. You buy a property and rent it out. Meanwhile, you might rent your own place, live interstate or board with parents. If your rent is lower than your rental income, you could come out ahead.

I already own a property, but I’m new to investing

You could rent out your current place as an investment property or buy somewhere else and rent that out instead. Before making a move, get a feel for your loan repayments and negative gearing options, the property market, insurance costs and more.

I’m ready for my next investment property

There's an all-in-one $395 annual package fee#, no matter how many packaged home loans you hold with us. Whatever your portfolio needs more of – acreage, a new granny flat, or something else – our lenders are ready to help make it happen.

Property investing: guides & calculators

Doing the sums

Add up your expenses, then calculate your net rental yield.


Match with the right loan and insurance, then apply.

FAQs on property investment

There are three main differences:

  • Owner occupier home loans (for a property you live in yourself) tend to have lower home loan interest rates than residential investment home loans. Vacancy rates and rent income can fluctuate, so there's a little more risk for the bank.  
  • Investors can apply for up to 10 years of Interest Only repayments, after which, their repayment type converts to Principal and Interest. For owner occupiers it’s up to 5 years.  
  • By opting to pay 12 months Interest Only in Advance*** on our Fixed Rate Investment home loan^^, property investors can get an extra fixed interest rate discount. Ask your lender for details. 


Save time, apply online

Apply in around 10-20 mins for an investment property loan.


Book an appointment

A member of our team will be in touch.


Talk with us 
1300 304 660

Or call/swing by 
your nearest branch

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: 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. 
Terms & Conditions (PDF 648KB) apply.

^^Fixed rate home loan: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.

***Interest Only in Advance:  Credit criteria, fees and charges apply, application is subject to Bank's approval. Interest Only in Advance interest rates and discounts apply to new Fixed Rate Investment Property Loans and loans which have been switched into Interest Only in Advance products. Existing fixed loans are not eligible unless the loan is re-fixed (a break cost may apply). Discounts are subject to change.