Investing in property
Whether starting out or growing your portfolio, our property investor roadmap could help you get there.
Property investing: a doorway to wealth
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.
3. Researching
Dive deep into potential emerging hotspots, with a quick property and suburb snapshot: rental yield, local sales and demographics.
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.
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.
Guides
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.
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.