St.George Home Loans

Rates and fees last updated on

How a St.George home loan could help you buy or refinance a home

St.George, a division of Westpac Banking Corporation, is part of one of Australia's largest banking groups. St.George delivers a wide range of home loan products, so if you are a home buyer searching for a specific type of mortgage, you have a good chance of finding a St.George home loan which will suit your particular needs.

$1,500 rebate when you switch over to the St.George Advantage Package

If you're a refinancing owner occupier or investor and apply for a fixed or variable rate St.George Advantage home loan, St.George will give you $1,500 cashback to help you with the costs of switching.

Your loan must be over $250,000. Customers can refinance from any lender except St.George, Westpac, BankSA, Bank of Melbourne and RAMS.

For a limited time you can also save 0.90% p.a. off standard variable rate Advantage Package home loans above $750,000.

Rates last updated October 24th, 2017
$
Loan purpose
Offset account
Loan 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
3.78%
3.79%
$0
$0 p.a.
95%
A no frills loan with a competitive rate and a maximum LVR of 95%.
3.94%
4.91%
$0
$395 p.a.
95%
Borrow up to 95% LVR (subject to approval) and fix your interest repayments for the next 3 years.
4.96%
5.35%
$0
$395 p.a.
95%
Get a discount off the standard variable rate and pay interest only repayments.
4.00%
5.16%
$600
$10 monthly ($120 p.a.)
95%
A competitive 2 year fixed rate which allows extra repayments of up to $10,000 per year.
5.81%
5.97%
$600
$10 monthly ($120 p.a.)
95%
A no frills home loan with a 100% offset account and high maximum LVR.
5.01%
5.40%
$0
$395 p.a.
95%
Enjoy a lower discounted interest when borrowing more than $250K. $1,500 cash back available for refinancers, conditions apply.
3.85%
4.95%
$0
$395 p.a.
95%
A discounted package rate for owner occupiers with the ability to package a Qantas rewards earning Amplify credit card. $1,500 cashback available for refinancers. Conditions apply.
4.29%
4.97%
$0
$395 p.a.
95%
Enjoy a lower 4 year fixed rate with the Advantage Package.
3.99%
5.04%
$0
$395 p.a.
95%
Fix your interest rate for 1 year and get a discount through the Advantage Package.
4.29%
4.94%
$0
$395 p.a.
95%
Fix in a competitive rate for five years and pay no establishment or monthly fees.
5.21%
5.59%
$0
$395 p.a.
95%
Enjoy zero establishment fees and discounts on a range of St.George products.
5.81%
5.97%
$600
$10 monthly ($120 p.a.)
90%
A bridging home loan which takes the stress out of selling your old home before switching to another regular St.George loan.
5.81%
6.03%
$1,350
$10 monthly ($120 p.a.)
80%
A feature-packed bridging loan.

Compare up to 4 providers

Rates last updated October 24th, 2017
$
Loan purpose
Offset account
Loan 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
6.44%
$700
$200 p.a.
90%
A line of credit loan which allows you to open up to 12 sub accounts.
4.64%
$700
$200 p.a.
90%
A customisable line of credit loan with a competitive fixed rate.
6.44%
7.25%
$1,500
$12 monthly ($144 p.a.)
70%
Enjoy a partial offset account and interest-only options.
5.64%
$0
$395 p.a.
90%
Pay no application fees on this low-rate line of equity package.
5.84%
$0
$395 p.a.
90%
A low-rate line of credit loan with flexible repayment options.
6.19%
$0
$395 p.a.
90%
A line of credit with discounted interest rates.
3.99%
5.42%
$0
$395 p.a.
95%
Package your investment loan with other St.George products and get discounts. $1,500 cash back available for refinancers, conditions apply.
4.14%
5.63%
$600
$10 monthly ($120 p.a.)
95%
A fixed rate loan with low ongoing fee, redraw facility and 100% offset account facility.
4.19%
4.20%
$500
$0 p.a.
95%
Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.
4.89%
4.90%
$0
$0 p.a.
95%
Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.
5.74%
5.79%
$500
$0 p.a.
95%
Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.
5.20%
5.25%
$500
$0 p.a.
95%
Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.
4.19%
5.37%
$0
$395 p.a.
95%
Plan ahead by locking in your rate for 3-years on this investor loan. $1,500 cash back available for refinancers. Conditions apply.
4.19%
5.56%
$0
$395 p.a.
95%
A package home loan with no application fee and borrow up to 95% LVR with redraw facility.
4.34%
5.55%
$600
$10 monthly ($120 p.a.)
95%
A fixed rate loan with low ongoing fee, redraw facility and 100% offset account facility.
4.34%
5.80%
$600
$10 monthly ($120 p.a.)
95%
A fixed rate loan with low ongoing fee, redraw facility and 100% offset account facility.
4.88%
5.27%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.42%
5.80%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.08%
5.47%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.53%
5.91%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.28%
5.66%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.18%
5.56%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.08%
5.47%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.08%
5.47%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
4.98%
5.37%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.82%
6.19%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.62%
6.00%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
4.93%
5.32%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.62%
6.00%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.62%
6.00%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.08%
5.47%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
5.62%
6.00%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
6.07%
6.44%
$0
$395 p.a.
95%
Enjoy a package loan with a 100% offset account, redraw facility and no application fee.
4.74%
5.58%
$600
$10 monthly ($120 p.a.)
95%
A fixed rate loan with low ongoing fee, redraw facility and 100% offset account facility.
4.74%
5.50%
$600
$10 monthly ($120 p.a.)
95%
A fixed rate loan with low ongoing fee, redraw facility and 100% offset account facility.
4.59%
5.42%
$0
$395 p.a.
95%
A package home loan with no application fee and borrow up to 95% LVR with redraw facility.
4.59%
5.37%
$0
$395 p.a.
95%
A package home loan with no application fee and borrow up to 95% LVR with redraw facility.
5.78%
5.94%
$600
$10 monthly ($120 p.a.)
95%
A variable rate home loan with a 100% account with redraw facility and borrow up to 95% LVR.
6.53%
6.78%
$1,500
$12 monthly ($144 p.a.)
70%
Enjoy 100% offset account facility with low ongoing fee.
6.32%
6.48%
$600
$10 monthly ($120 p.a.)
90%
A variable rate home loan with a 100% account with redraw facility and borrow up to 95% LVR.
7.07%
7.32%
$1,500
$12 monthly ($144 p.a.)
70%
Enjoy 100% offset account facility with low ongoing fee.
6.54%
7.16%
$1,500
$12 monthly ($144 p.a.)
70%
Lock in a rate for three years and enjoy a partial offset account and interest-only options.
6.32%
6.54%
$600
$10 monthly ($120 p.a.)
90%
A flexible loan that lets you move into a new property while you're in the process of selling your existing property.
6.32%
6.48%
$600
$10 monthly ($120 p.a.)
90%
A flexible loan that lets you move into a new property while you're in the process of selling your existing property.

Compare up to 4 providers

Types of St.George home loans available

Some of the most popular St.George home loan products are outlined here:

  • Advantage package. The Advantage Package is a package deal home loan which offers special package discounts on your mortgage interest rates and savings on other home loan, credit card and transaction account fees and charges. It is well-suited to first home buyers, property investors and those looking to refinance.

More About Advantage Package

  • Standard variable rate. St.George's Standard Variable Rate home loan has features such as a linked 100% offset savings account so you can save on home loan interest just by using your offset account as your regular transaction and savings account. The loan also offers a redraw facility, allowing you to access any additional repayments you need in case of an emergency expense (subject to approval). The loan also boasts flexible repayment options to match your pay cycle.

More About Standard Variable Rate

  • Fixed rate home loan. This home loan allows you to choose a fixed interest rate for a period from one to five years, helping you to budget ahead with the confidence that your home loan repayments won't change during the fixed period.

More About Fixed Rate Home Loan

  • Portfolio loan. This flexible line of credit home loan combines your own finances as well as your investment finances into the one facility. You can apply to borrow up to 90% of your property's value (subject to approval) in order to release funds for other investments, such as shares, investment properties or a new car. You are only charged interest on what you have used. You can even deposit your entire income directly into your portfolio home loan to offset interest charges.

More About Portfolio Loan

  • Basic home loan. This basic, no-frills home loan carries a very low variable interest rate and has no ongoing monthly fees. It also has flexible repayment options.

More About Basic Home Loan

What if I'm self employed?

There are three low doc options offered by St.George home loans if you are self employed, a contract worker, or for any other reason can't prove your income in the standard way:

  • Low Doc variable rate. This is a variable interest rate home loan with a 100% offset savings option, and a redraw facility.
  • Low Doc fixed rate. This home loan offers the option of a fixed term of one, three or five years. It can help you gain protection from the uncertainty of rising interest rates.

More About Low Doc Variable and Fixed Rate Home Loans

  • Low Doc Portfolio loan. The low documentation flexible line of credit home loan allows you to put your equity to work by using it to finance other investments.

More About Low Doc Portfolio Loan

St.George home loans also offer a raft of specialist home loans that include:

  • The Relocation Loan that offers an alternative to expensive bridging finance.
  • The Building Home Loan where interest is only charged when money is actually taken out to complete the different stages of construction.
  • The Seniors Access Home Loan, a reverse mortgage that lets you access the equity in your home to fund your retirement.
  • The Super Fund Home Loan that allows you to use your self-managed super fund to invest in residential property.
  • Home loans for foreign investors and Australians living offshore which allow you to buy Australian property in Australian dollars.
Was this content helpful to you? No  Yes

Related Posts

This page was last modified on 12 September 2017 at 4:37pm.

Bank Australia Basic Home Loan - Variable (Owner Occupier)

Pay no ongoing fees on a competitive variable rate home loan.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤90% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

IMB Budget Home Loan - LVR <=90% (Owner Occupier, P&I)

Get a competitive rate without features you may not use.

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question