Building your investment property A-team
The right network and know-how can improve your ROI.
Your property investor team
With a team of professionals, you can get exclusive off-market previews, a tailored interest rate, as well as your own tax and legal advice.
Your St.George lender
Your lender (or mortgage broker) can explain:
Your tailored variable rate with offset, and our fixed and basic variable rate
Package# savings, like cheaper Landlord Insurance1 and credit card points
How much you can borrow, your equity and loan-to-value ratio+
How loan structure and clearing other debt affects finance
How more than one property can secure your loan
The benefits and drawbacks of up to 10 years’ Interest Only2 repayments
Our discounted fixed interest rate if you pay a year's Interest Only in advance3
Addresses we may not lend against (super small units, some suburbs or apartment blocks, tiny houses or places near big power lines)
Our handy option to redraw4 from a fixed loan during its term.
Your St.George lender is also your go-to person for:
Getting conditional approval so you can bid confidently
Organising a property valuation, online or in-person
Getting full approval and finalising your loan
Helping with the settlement process
Adjusting your loan down the track.
Talk about a tailored rate
Negotiate your investment home loan interest rate
Book an appointment to talk about our interest rates, or start applying online and a lender will be in touch. They can calculate a variable investment interest rate with offset, just for you.
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Property investor hub
Whether starting out or growing your portfolio, it’s easier with our reports, tips, articles, calculators and tools.
FAQs
What’s the difference between a financial planner and a tax adviser?
Tax advisers give advice on taxes and structuring property ownership. They can also advise on your investment plans, as long as they have the right license.
Financial planners/advisers, help you plan your investments. They consider your age, family circumstances, risk appetite, financial position, market conditions, property portfolio and your future. Some can give you tax advice too.
How much depreciation can I claim on an investment property?
It depends on things like your property's age, type, and the value of its fittings and fixtures. There is also a limit on deductions for decline in value of second-hand depreciating assets purchased with your residential property after 1 July 2017. Generally, newly built properties can offer more depreciation. A quantity surveyor can prepare an annual depreciation schedule listing all the items that wear out over time. It's important to ask your tax adviser about the specific amounts you may be able to claim.
Save time, apply online
It should only take around 10-20 min to apply for an investment property loan.
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)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.
#Advantage Package: Terms & Conditions (PDF 2MB) 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.
+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.
1Home and Landlord Insurance: Advantage Package customers may be eligible for an ongoing premium discount of up to 10% on their St.George Home and Landlord Insurance policies. If you are also eligible for a combined or other policy discount, Allianz will apply the Package discount to the already discounted premium. This means the effect will be reduced. If you purchase your policy online, the Package discount will be applied after purchase and Allianz will inform you of your revised premium (this may take up to 3 months). Allianz will then provide a refund for premium paid annually or provide a pro rata refund and reduce your remaining monthly instalments. If you take out an Advantage Package after your policy has been issued, then the Package discount will apply from your next renewal. Discounts do not apply to optional covers for Domestic/Landlord workers’ compensation (if available and selected). Any discounts may be subject to rounding and do not apply to taxes or government charges.
Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 arranges the initial issue of the insurance under a distribution arrangement with Allianz, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 1800 812 133.
2Interest Only repayments: Conditions apply. It’s important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only term as the amount you’ve borrowed will need to be paid back in a shorter timeframe. This also means you’ll pay more interest over the life of the loan with an Interest Only repayment term, than if you’d opted to continue paying principal and interest. There’s a maximum of 5 years for Owner Occupied loans and 10 years for Investment loans on Interest Only repayments over the life of the loan. If you’ve had less than this, you may be able to extend the Interest Only repayment term, subject to conditions and a new assessment. You’ll need to start the process well in advance of your expiry date and provide details of your income, expenses and liabilities.
3Interest only in advance: Interest must be paid in advance: annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance the Interest Only in Advance discount will be removed for subsequent years.
4Redraw facility: if you have 'available funds' (you’re ahead on your home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 83KB) for full details.