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St. George Home Loan Offer

St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

2.99 % p.a.

variable rate

3.01 % p.a.

comparison rate

St. George Home Loan Offer

The St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I) is a low variable rate loan. Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply).

  • Interest rate of 2.99% p.a.
  • Comparison rate of 3.01% p.a.
  • Application fee of $500 (waived for loans above $150,000)
  • Maximum LVR: 80%
  • Minimum borrowing: $30,000
  • Max borrowing: $2,000,000
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Start your home loan application with expert help from Aussie.

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Applications are subject to approval. Conditions, fees and charges apply. Please note that you need to be an Australian citizen or permanent resident to apply.

Credit services for Aussie Select, Aussie Activate and Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 (“Aussie”) and its appointed credit representatives, Australian Credit Licence 246786. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133, Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Activate products is provided by Pepper Finance Corporation Limited ACN 094 317 647 (“Pepper”). Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 acts on behalf of Pepper. Credit services for Aussie Elevate products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 (“Aussie”) and its appointed credit representatives. Aussie is a trade mark of AHL Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879.

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2019 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

By submitting this form, you agree to the Aussie privacy policy.

An Aussie mortgage broker can find the right home loan for you.

  • FREE Suburb and Property Report with every appointment.
  • Access 3,000+ loans from over 20 lenders.
  • Get expert help with your loan application, including paperwork and eligibility.

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Rates last updated December 9th, 2019
$
Loan purpose
Offset account
Loan type
Repayment type
Your filter criteria do not match any product
Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

2.84%
2.84%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
2.88%
2.90%
$0
$0 p.a.
80%
Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
3.03%
3.04%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
2.90%
2.92%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.13%
3.19%
$449
$0 p.a.
90%
NSW and ACT customers only. You can get an interest rate discount for a limited time with this competitive variable mortgage.
2.79%
3.30%
$0
$10 monthly ($120 p.a.)
80%
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit.
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Online cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). A low variable interest rate for home buyers and refinancers. Application fee waived for loans above $150,000.
2.99%
3.01%
$500 (waived for loans above $150,000)
$0 p.a.
80%
Online only cashback offer: Refinancers borrowing $200,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.
2.88%
2.92%
$600
$10 monthly ($120 p.a.)
80%
A competitive variable rate for home buyers with a 20% deposit. This product has a 100% offset account.
2.79%
3.82%
$0
$0 p.a.
90%
Get one of the lowest rates on the market with this fixed rate mortgage. Available with just a 10% deposit. Guarantor option available. NSW, QLD and ACT residents only.
2.84%
3.42%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. 2 years fixed interest terms and free access to redraw facility online.
3.19%
3.21%
$0
$0 p.a.
80%
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility.
2.79%
2.83%
$600
$10 monthly ($120 p.a.)
70%
A very low variable interest rate for home buyers with a 30% deposit. This product has a 100% offset account.
2.95%
2.99%
$500
$0 p.a.
95%
This mortgage combines a very sharp interest rate with a 100% offset account and it's available with a 5% deposit.
2.69%
3.19%
$395
$0 p.a.
80%
A competitive fixed interest rate loan with no ongoing fees. Requires a 20% deposit.
3.18%
3.32%
$0
$10 monthly ($120 p.a.)
80%
This flexible, competitive variable rate mortgage comes with a 100% offset account and redraw facility.
3.24%
3.24%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.24%
4.14%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
2.79%
3.26%
$0
$10 monthly ($120 p.a.)
80%
A competitive fixed rate mortgage available with a 10% deposit.
3.15%
3.56%
$0
$395 p.a.
80%
A low rate variable mortgage for home buyers. Comes with a 100% offset account and has no application fee.
3.09%
3.94%
$600
$0 p.a.
95%
This fixed rate loan offers a 100% offset account and the flexibility to make extra repayments.
2.74%
3.38%
$395
$0 p.a.
80%
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.
3.54%
4.44%
$600
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
2.88%
4.11%
$0
$375 p.a.
95%
$2,000 cashback for eligible refinancers. Get a very low fixed interest rate for two years plus package discounts. Available with a 5% deposit.
3.20%
3.22%
$0
$0 p.a.
90%
Save on interest with a free 100% offset account and buy your property with just a 10% deposit.
3.24%
3.24%
$0
$0 p.a.
95%
$2,000 cashback for eligible refinancers. This flexible, basic home loan offers a very low rate and you only need a 5% deposit.
3.29%
3.91%
$449
$6 monthly ($72 p.a.)
90%
NSW and ACT customers only. A 3 years fixed rate investor which allows extra repayments to be made.
3.40%
3.41%
$0
$0 p.a.
80%
Investors can easily access their equity using BPAY, a debit Master Card or cheque book with this interest-only line of credit.
3.74%
3.76%
$0
$10 monthly ($120 p.a.)
80%
A variable rate home loan with no application fees.
3.59%
3.37%
$375
$15 monthly ($180 p.a.)
80%
Home buyers with a 20% deposit can get this low interest-only rate. It also comes with a 100% offset account.
2.84%
3.59%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
4.84%
4.99%
$0
$395 p.a.
80%
Pay no application fee with 100% offset account with redraw facility and borrow up to 95% LVR.

Compare up to 4 providers

Home loan basics explained

A home loan is the money you borrow to purchase a property. You borrow money from a lender and then repay it with interest. The amount you borrow is called the loan principal. The interest you pay every month is determined by the interest rate.

Australians typically borrow between 80% and 95% of a property's value. The rest of the money is called a deposit and you need to save this yourself. A mortgage term typically lasts for 25–30 years, although it can be shorter.

Understanding different types of home loans

If you're borrowing money to buy a home to live in you need an owner-occupier mortgage. If you're buying an investment property you're looking for an investment loan.

But what if you already have a mortgage but want to switch to a better deal? This makes you a refinancer. Most loans are available for refinance but you will need to apply all over again.

There are many more unique situations for borrowers. Check out some of our other in-depth guides and product comparisons:

Comparing home loans

When you're looking for a mortgage that's competitive and suits you, look at the following:

Interest rate

It's important to decide whether you want a fixed or variable interest rate. Variable rates have more flexibility but your rate can go up (or down) at any time. Fixed rates let you budget your repayments more accurately because you know your repayments in advance.

Above all else, a lower interest rate will keep your repayments down. Here's the difference between a 3.50% and a 3.00% interest rate.

  • 30-year loan term borrowing $400,000
  • Rate: 3.50%
  • Monthly repayment = $1,796
  • 30-year loan term borrowing $400,000
  • Rate: 3.00%
  • Monthly repayment = $1,686

That's a difference of $110 a month, $1,320 a year and $39,600 over the life of the mortgage.

Learn how Finder tracks the lowest mortgage rates on the market each month

Repayment type

Most borrowers choose principal and interest repayments, where you repay the principal (the money you've borrowed) plus interest together. Interest-only repayments delay the full cost of your loan as you only repay the interest at first. But you'll end up paying more in the long run.

Features

Always compare a loan's features, such as offset accounts and redraw facilities.

Loan to value ratio (LVR)

LVR is another way of saying minimum deposit. Most loans have a maximum LVR of 80%, meaning you need a 20% deposit. However, many loans also have a maximum insured LVR of up to 95%. This means you can get the loan with a smaller deposit, but you will need to pay lenders mortgage insurance (LMI) when your deposit is under 20%.

Fees

Application, settlement and monthly fees can add to your mortgage costs. Be sure to factor fees in to your comparison.

How to get a home loan

A couple looking for a property to buy before comparing home loans.Once you've finished your home loan comparison you will need to apply for the loan. But remember that the mortgage is just one part of a bigger home buying process:

  1. Work out your borrowing power. Think about your income and expenses to work out how much you can afford to borrow. This will guide your whole buying journey. A borrowing power calculator can help.
  2. Saving a deposit.You will need at least 5% of the property's value saved up.
  3. Finding a property. The search for the perfect property can be a long one, but it's important to get it right.
  4. Mortgage application. When applying for a mortgage you will need some paperwork, including identification and pay slips. You can also apply for pre-approval with many lenders, which gives you a good indication of how much you can borrow.

If you need more information about mortgage applications, read our detailed guide to the home loan application process.

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The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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Home Loan Offers

Important Information*
Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Online only cashback offer: Refinancers borrowing $250,000 or more can get a $4,000 cashback for their first application (Other terms, conditions and exclusions apply). Buyers and refinancers can get this competitive variable interest rate. Application fee waived for loans above $150,000.

Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.

Ask an Expert

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99 Responses

  1. Default Gravatar
    JDMAugust 12, 2019

    I am an Australian citizen returning to Australia after several years abroad. I will be entering into employment with the Australian branch of my existing employer with a new employment contract (but without a probation period). Can you advise limits to home loan borrowing upon arrival. e.g. is their a qualifying period for work/residence in Australia for lenders?

    • Avatarfinder Customer Care
      NikkiAugust 13, 2019Staff

      Hi JDM,

      Thanks for your question! All Australian citizens are eligible to apply for a home loan – this is one of the basic requirements. Others include, age, income and other unique requirements of the lender.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      A mortgage broker is the best person to reach out to see your options for home loans. They can give you a multitude of options according to your situation. In the meantime, to give you an estimate of your monthly repayments, you may use the calculator we have on this page.

      Hope this helped. Feel free to reach back out for further assistance.

      Cheers,
      Nikki

  2. Default Gravatar
    ManiAugust 16, 2018

    What are the options for Self employed with one year financials?

    • Avatarfinder Customer Care
      JhezAugust 16, 2018Staff

      Hello Mani,

      Thank you for your comment.

      If you’re self-employed and is interested in a home loan, you can check low documentation (low-doc) loan which is designed to cater applicants who are working for themselves. Please note that different lenders have different application requirements, so it’s best to check your eligibility and ensure meeting the requirements before submitting an application.

      You may check our Low doc home loan guide and see the tips on how to compare such loans. After comparing the products in our panel, you can click the Go to Site button or the Enquire Now button and discuss with the lender your eligibility.

      You’ll be best to seek advise from a mortgage broker and discuss options based on your needs.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  3. Default Gravatar
    KevinMay 16, 2017

    hi,

    i was looking at the home loans
    it states owner occupier
    as i am a foreign investor, what types of loans should I look at
    does it mean that we have to pay a higher interest?
    thanks

  4. Default Gravatar
    SuzieMarch 10, 2017

    I am looking to buy addition investment and PPR. I am looking for comparative interest rates.
    Can you please assist?

    Thank you
    Suzie

    • Avatarfinder Customer Care
      DeeMarch 13, 2017Staff

      Hi Suzie,

      Thanks for your question.

      You may refer to this page to compare investment property home loans.
      For owner-occupier, you may check this page.

      On both pages, we have a home loan calculator on top of the comparison table that you can take advantage of to see which lender offers low monthly payment.

      Alternatively, you may also get in touch with a mortgage broker to assist you in finding a suitable home loan option.

      Cheers,
      Anndy

  5. Default Gravatar
    TerryOctober 13, 2016

    Hi,
    I am 65 and my wife is 51. We both have full time jobs.
    We are hoping to purchase our first ever unit instead of paying rent as we do now. Would our ages be against us if we applied for a $700,000 loan? How much deposit would we need?
    Thank you

    • Avatarfinder Customer Care
      DeeOctober 14, 2016Staff

      Hi Terry,

      Thanks for your question.

      Please note that we are a financial comparison and information website. We can’t give advice on your specific situation.

      In Australia, there are anti-discrimination legislations that prevent lenders from discriminating borrowers based on age. You can find more details about maximum age limit for home loan borrowers on this page.

      Lenders would also like to make sure that you meet the general lending criteria and that you can comfortably afford to repay the loan without having financial difficulties. This is why the older you are, the more it might be difficult for you get a mortgage approval.

      Also, the deposit that you need depends on the type of loan that you are getting.

      For your home loan options, you may want to get in touch with mortgage broker and discuss your circumstances and borrowing needs.

      Cheers,
      Anndy

  6. Default Gravatar
    TrevorOctober 2, 2016

    I run my own business and need a low doc loan
    Thanks Trevor

    • Avatarfinder Customer Care
      DeeOctober 5, 2016Staff

      Hi Trevor,

      Thanks for getting in touch.

      If you are looking for a low doc home loan, you can compare your options here.

      You may also want to get in touch with a mortgage broker who will consider your personal situation in finding a range of home loan options.

      Cheers,
      Anndy

  7. Default Gravatar
    BrianOctober 27, 2015

    I am an aged pensioner and have my own property with a double garage and wish to improve it to liveable state.and need aloan to do so It is in a small country community which is going ahead. What are the chances of finance?

    • Avatarfinder Customer Care
      MarcOctober 28, 2015Staff

      Hi Brian,
      Thanks for the question, finder.com.au are a comparison website and we can only offer you general advice.

      Your chance of receiving a loan will depend on a range of factors, including your income, assets and debts. One option might be to contact a mortgage broker and see what lenders or loans they suggest might result in your application being approved.

      I hope this helps,
      Marc.

  8. Default Gravatar
    BinodSeptember 3, 2015

    Iam living in a town house and have rented my two rooms privately and getting rent of $200 weekly from each room. Can I include this income as a genuine savings, If yes, how to prove this.

    • Avatarfinder Customer Care
      MarcSeptember 4, 2015Staff

      Hi Binod,
      Thanks for the question, finder.com.au are a comparison website and we can only offer you general advice..

      The definition of ‘Genuine Savings’ changes depending on the lender, but the below is what the Commonwealth Bank define as genuine savings:

      – A savings pattern established over at least 3 months
      – Term Deposit held for at least 3 months
      – Shares held for at least 3 months
      – Gifts held in your account for at least 3 months
      – Cash held in your account for at least 3 months
      – Equity in an existing property
      – Inheritance money held in your account for at least 3 months

      If your rental income fits into one of the above categories than for this lender it would be counted as genuine savings. I would recommend contacting a lender you’re interested in applying with and seeing what their policy is regarding rental incomes.

      I hope this helps,
      Marc.

  9. Default Gravatar
    LenaJuly 8, 2015

    Hi. This website is great for comparing home loans but they are mostly not with the major banks.
    Could you tell me if there is a website that deals mainly with the anz, nab, commonwealth etc similar to this one.
    Thanks

    • Avatarfinder Customer Care
      BelindaJuly 9, 2015Staff

      Hi Lena,

      Thanks for the feedback.

      finder.com.au is an online comparison and general information service and in fact, we do compare a wide range of products offered by many reputable Australian lenders including the ‘Big 4’ and specifically ANZ, NAB and the Commonwealth Bank, as you’ve mentioned.

      You might be interested to compare competitive products by these lenders using the hyperlinks provided above.

      Thanks,
      Belinda

  10. Default Gravatar
    AmyJune 6, 2015

    Do I put money in my super or pay my loan ?
    When I sixty I can get some money out of my super and put it in my mortgage good idea or not ?

    • Avatarfinder Customer Care
      BelindaJune 9, 2015Staff

      Hi Amy,

      Thanks for your enquiry.

      finder.com.au is an online comparison website so we cannot offer financial advice regarding your superannuation.

      It would be best that you speak directly with your super fund provider regarding the process of accessing your superannuation.

      Thanks,
      Belinda

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