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Here are the key features and details you need to know about St.George's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | Many St.George loans have 80% maximum LVRs, meaning you need a 20% deposit. But some loans are available with deposits as low as 5%. |
| Offset account | If you want a St.George loan with an offset account, avoid the Basic Home Loan and consider a St.George Advantage Package Home Loan. |
| Repayment options | St.George home loans have options for both interest-only repayments and principal-and-interest repayments. |
| Split rate | Most St.George mortgages allow you to split your loan into fixed and variable portions. |
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
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Any chance of a loan for a deposit on a unit to downsize we are pensioners but owned our home for 50 years
Hi Marilyn,
Your ability to get a loan depends on a number of factors, including the size of your deposit, your income and expenses.
If you click the “enquire now” button and share a few details, you’ll be connected with a mortgage broker from Aussie Home Loans. Their service is completely free and they can look at your situation and see what options to have available.
Best of luck!