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.

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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 Investment Loan

2.24 % P.A.

2 Year
Fixed Rate#

New Investment loan with Advantage Package^ ($395 annual package fee applies).
Principal & Interest repayments. LVR + above 60% up to 80%.

3.89 % P.A.

Comparison
Rate*

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

A home loan expert will call you once you have submitted your application to talk through next steps.

Get started

 

Already started an online application with us? Retrieve your application.

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. 

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

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.

Request a call back

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

Call us on

13 33 30

To talk with a St.George home loan expert, say "New home loan" when prompted.

Find a lender

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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.

  1. Redraw and rate lock requests are subject to our approval. Fees apply for rate lock.
  2. 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, and consider if the product is right for you.

*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.

+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.

# 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.

Rate lock: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The rate lock fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 mil. For loans above $2mil, the rate lock fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.