St.George home loans

St.George is a Sydney-based bank and is part of the Westpac group. St.George has a range of home loans for investors and owner-occupiers, including fixed and variable rate, basic loans and package loans. Check out the full table of St.George products below or read more about the lender and its loans.

Compare St.George home loans

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each product by clicking "more info".

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Name	Product	Comparison Rate	Fees	Monthly Payment
St.George Basic Variable Rate Home Loan Principal & interestOwner-occupier20% min. deposit Principal & interestOwner-occupier20% min. deposit St.George Basic Variable Rate Home Loan	Interest Rate 2.89%	2.91%	Application: $0 Ongoing: $0 p.a.	$625	$4,000 refinance cashback Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Apply by 31 July 2022. Terms and conditions apply). Refinancers Only.	Enquire now	Compare	loading Fetching your data...
St.George Basic Variable Rate Home Loan Principal & interestOwner-occupier10% min. deposit Principal & interestOwner-occupier10% min. deposit St.George Basic Variable Rate Home Loan	Interest Rate 2.94%	2.96%	Application: $0 Ongoing: $0 p.a.	$629	$4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get a $4,000 cashback (terms, conditions & exclusions apply)	Enquire now	Compare	loading Fetching your data...
St.George Fixed Rate Home Loan with Advantage Package Principal & interestInvestment 2Y Fixed20% min. deposit Principal & interestInvestment 2Y Fixed20% min. deposit St.George Fixed Rate Home Loan with Advantage Package	Interest Rate 4.99%	4.98%	Application: $0 Ongoing: $395 p.a.	$806	$4,000 refinance cashback. Investors can lock in a competitive rate for two years with this package loan. You will need at least a 20% deposit. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Apply by 31 July 2022. Terms and conditions apply). Refinancers Only.	Enquire now	Compare	loading Fetching your data...
St.George Fixed Rate Home Loan with Advantage Package Principal & interestOwner-occupier 2Y Fixed20% min. deposit Principal & interestOwner-occupier 2Y Fixed20% min. deposit St.George Fixed Rate Home Loan with Advantage Package	Interest Rate 4.79%	4.49%	Application: $0 Ongoing: $395 p.a.	$788	$4,000 refinance cashback Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Apply by 31 July 2022. Terms and conditions apply). Refinancers Only.	Enquire now	Compare	loading Fetching your data...
St.George Fixed Rate Home Loan with Advantage Package Principal & interestOwner-occupier 4Y Fixed20% min. deposit Principal & interestOwner-occupier 4Y Fixed20% min. deposit St.George Fixed Rate Home Loan with Advantage Package	Interest Rate 5.29%	4.80%	Application: $0 Ongoing: $395 p.a.	$833	$4,000 refinance cashback Lock in a very low rate for four years. Requires a 20% deposit. Refinancers borrowing $250,000 or more can get a $4,000 cashback (Other terms, conditions and exclusions apply).	Enquire now	Compare	loading Fetching your data...

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St.George home loan features

Here are the key features and details you need to know about St.George's mortgage products.

How do I apply for a St.George mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

Each St.George product has specific eligibility criteria but some, such as the following, will apply to all products:

• Age. You must be over 18 years of age.
• Residency. You should be a resident of Australia.
• Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with St.George, you are required to provide certain information so make sure you have all your documents ready before you apply. You will be expected to provide the following documents:

📄 Property details: You can start a loan enquiry before you buy 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 and investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like St.George

If you want to compare loans from similar lenders to St.George, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

• BankSA. BankSA operates in South Australia, with very similar loan offers to St.George.
• Bank of Melbourne. In Victoria, you'll find Bank of Melbourne rather than St.George. Both lenders have very similar loan offers.

More home loan questions

• How do I compare St.George home loans?

  To make sure you find the right St.George loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help:

  • Do you really need a package loan? Some of St.George's lowest rates are home loan packages that let you combine a mortgage with other products like a credit card or transaction account. This usually brings you some benefits, but if you don't actually use those other products then paying the annual package fee probably isn't worth it.
  • What do you need the loan for? If you're buying a home to live in you need an owner-occupier loan. Property investors need an investment loan rate. St.George has both.
  • Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a certain period so you can forget about rate changes at all?
  • What features do you need? You need to decide whether you need features like a 100% offset account, the ability to make extra repayments and the option to split your rate.

• What is home loan pre-approval?

  Home loan pre-approval is an optional step in the application process that some lenders offer. Pre-approval means a lender has examined your savings, income and spending habits and has a rough idea of how much it could lend you. It's not the same as full loan approval and it's no guarantee that the lender will ultimately approve a full application. But it does allow borrowers to start looking for a home with more confidence and a clearer idea of their borrowing power.

  Pre-aproval is not something every lender offers, but many do.

• Are there any risks going with a smaller lender?

  Most Australian borrowers bank with one of the Big Four (Commbank, ANZ, Westpac and NAB). You might have some concerns about getting a loan from a smaller lender. But there's no reason to worry about going with a smaller lender.

  In Australia, banks and lenders are regulated by the Australian Prudential Regulation Authority (APRA) or the Australian Securities and Investments Commission (ASIC) and must comply with the National Consumer Credit Protection Act.

  St.George is owned by Westpac, which is an authorised deposit-taking institution (ADI). This means customers with money deposited in a St.George savings account benefit from the deposit guarantee scheme. This federal government scheme guarantees a customer's savings up to $250,000. Even if the bank itself collapses.

• Should I go with a fixed or variable rate?

  Deciding between a fixed or variable rate depends on what you want from the loan. A variable rate loan can change at any time, either up or down. A variable rate usually offers more flexibility in how fast you can repay the loan and the cost of refinancing.

  A fixed rate loan offers total certainty about your rate, for the fixed period. This means it won't rise, costing you more. But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee.

• Do I need a mortgage broker?

  Mortgage brokers are home loan professionals who can help you find a suitable loan. A broker typically charges you no fee, because they receive a commission from your lender. Brokers are great if you are short on time or find the whole process of researching and applying for a home loan confusing. But you can definitely do it yourself and find a good loan. You may even find a better deal. That's because brokers don't compare loans from every lender in the market. They have access to a panel of loans and often don't have smaller online lenders in their panel.