Investing in property

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What are the benefits of investing in property?

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.

Research your investment

Investing in property? Research first. Download the property investor guide and use our online property market research tool to check sales histories, expected rental income, suburb demographics and estimated sale prices.

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Set your strategy

Decide what you want to achieve before you make an investment. Is your goal to build wealth from capital growth? Will you buy using equity in your current property? Are you interested in rental income or negative gearing?

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Review property costs

When you invest in property, it’s wise to plan for both the initial outlay and the ongoing costs before you make the purchase. Here we explore some of the key costs to purchase and maintain an investment property.

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Fixed Rate Home Loan

2.49 % P.A.

2 Year
Fixed Rate

2 year Fixed Rate with Advantage Package.^{^}Principal & Interest repayments. LVR ⁺ above 60% up to 80%

3.97 % P.A.

Comparison
Rate*

What else do I need to know?

^ Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The interest rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package
# 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.

* 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.

Start your application online

Learn how much you could borrow.

Receive indicative approval in under 15 minutes.

Our Concierge will call you once you've submitted your application to help handle the rest of the process.

View all rates

Are you after a fixed or variable rate? Will you make principal and interest or interest-only repayments? Compare our rates to see how these factors could affect the cost of your investment.

See all home loan interest rates

Borrowing power calculator

Enter details of your income and expenses to get an estimate of how much you could borrow and what your repayments might be for your investment property.

Find out your borrowing power Find out your borrowing power

Property market research

Check sales histories, market values, expected rental income and nearby amenities for properties in your chosen suburbs with our online Property Market Research tool.

Start researching

Request a call back

A St.George home loan expert will call you back.

Find a lender

Find your nearest branch or mobile lender

Important information

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 1300 000 266.

Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.
A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a St.George transaction account.

^{^}Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms and conditions (PDF 148KB), and consider if the product is right for you.

⁺LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks 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 don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.