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.
Featured investor rates
(LVR+ up to 70%)
Why choose St.George?
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.
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?
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.
Stamp duty calculator
Work out how much you could pay in stamp duty and other fees.
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
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.
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.
Keep exploring
Manage your home loan
Need to make changes to your existing home loan?
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)
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.
Tax consequences may arise from offers and promotions for investors and customers should seek independent advice on any taxation matters.
^^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.
*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.
# 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 available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.
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.