St. George Investment Loan Review | Home Loan Experts

St. George received full bank status in 1992 and since then has provided comprehensive banking services and solutions. Its offerings include investment home loan packages tailored specifically for property investors, which we will examine in this article.

Investment Loan Packages With St. George

St. George offers investment loans in three packages. Here are the basic features of each one:

Basic Home Loan Fixed Rate Investment Home Loan

*(as part of the Advantage Package)

Standard Variable Rate Investment Home Loan

*(as part of the Advantage Package)

$0 monthly fee $395 annual package fee $395 annual package fee OR $600 establishment fee and $8 monthly fee
Refinance cashback available Refinance cashback available Refinance cashback available

  • No lending establishment fee
  • No monthly loan account fee

  • No lending establishment fee
  • No monthly loan account fee
  • Interest rate discount based on package owner’s total loan amount

No extra features, such as an offset account Lock in your interest rate for 1-5 years A full-featured loan with an offset account, redraw capabilities and unlimited additional repayments

St George’s Advantage Package also includes offers on credit cards and insurance. Read more about the benefits, features, terms and conditions of the Advantage Package here.

Should You Choose St. George?

St. George offers some great benefits but has some shortcomings as well. Here are the pros and cons of St. George investment loans, as determined by Home Loan Experts’ mortgage brokers:

Pros Cons
Competitive rates Difficulty in dealing with assessors
Upfront bank valuations available LMI can be expensive if you borrow over 90% of the property value
Large bank network in Sydney and NSW Can be slow to assess your application
Split account option Higher than average upfront fee
Market-leading refinance rebates and cashback offers Discharge fee at the end of the loan

Read more about St. George home loans in our review of the lender as a whole, here.

Build Your Investment Portfolio Now!

Get started on building your investment portfolio by contacting our specialist mortgage brokers at 1300 889 743 or fill in our online assessment form and we will contact you.

Why use us?

We aim to set an example by delivering what we promise: a higher level of service, better advice and better home loans.


Australia-wide services

We finance properties anywhere in Australia for people anywhere in the world.


Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.


We get tough loans approved

We can help you navigate the often complex pre-approval and application process.


Our customers love us

We receive hundreds of love letters from our customers.

Discover more reasons to use Home Loan Experts

How we find you the right solution

We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just a few simple steps.

free assessment

Complete our free assessment form or call us.


We assess your situation.


We look at all the options from our panel of lenders.

suitable home loan deals

We will find you the most suitable home loan deals.

Testimonials for Home loan experts

about us


lenders on
our panel


lent Australia-wide
and counting

Common Wealth
St George
Pepper Money
Me Bank

of our borrowers get
approved with a major bank


of our borrowers get a discount
below the bank standard variable rate