St.George home loans

St.George has home loans for owner-occupiers and investors, with rates starting from 1.84%.

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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".

$
years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

St.George Basic Variable Rate Home Loan P&IHome≥ 20% Deposit

St.George Basic Variable Rate Home Loan
2.29%
2.31%
  • App: $0
  • Ongoing: $0 p.a.
$578
$3,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer). Apply by 30 November 2021. Terms and conditions apply. Refinancers Only.

St.George Fixed Rate Home Loan with Advantage Package P&IHome 2Y Fixed≥ 20% Deposit

St.George Fixed Rate Home Loan with  Advantage Package
1.84%
3.38%
  • App: $0
  • Ongoing: $395 p.a.
$544
$3,000 refinance cashback
Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Apply by 30 November 2021. Terms and conditions apply). Refinancers Only.

St.George Fixed Rate Home Loan with Advantage Package P&IInvestment 2Y Fixed≥ 20% Deposit

St.George Fixed Rate Home Loan with  Advantage Package
2.24%
3.89%
  • App: $0
  • Ongoing: $395 p.a.
$574
$3,000 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 $3,000 cashback (Apply by 30 November 2021. Terms and conditions apply). Refinancers Only.

St.George Basic Variable Rate Home Loan P&IHome≥ 10% Deposit

St.George Basic Variable Rate Home Loan
2.34%
2.36%
  • App: $0
  • Ongoing: $0 p.a.
$582
$3,000 cashback.
With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get a $3,000 cashback (terms, conditions & exclusions apply)

St.George Fixed Rate Home Loan with Advantage Package P&IHome 4Y Fixed≥ 20% Deposit

St.George Fixed Rate Home Loan with  Advantage Package
2.54%
3.40%
  • App: $0
  • Ongoing: $395 p.a.
$597
$3,000 refinance cashback
Lock in a very low rate for four years. Requires a 20% deposit. Refinancers borrowing $250,000 or more can get a $3,000 cashback (Other terms, conditions and exclusions apply).
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St.George key facts

  • St.George has competitive home loan rates, especially its fixed rate package loans.
  • St.George has online and phone support but also has a network of branches, especially in NSW, where the bank is headquartered.
  • You need at least a 5% deposit to get a St.George home loan, although many loans require a 10% or 20% deposit.

Review by our senior home loans writer Richard Whitten

St.George home loan features

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

FeatureDetails
Minimum depositMany 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 accountIf 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 optionsSt.George home loans have options for both interest-only repayments and principal-and-interest repayments.
Split rateMost St.George mortgages allow you to split your loan into fixed and variable portions.

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

More guides on Finder

  • St George Advantage Package home loan

    Find out how you could save with the St George Advantage Package Home loan by bundling some of your financial products together.

  • St.George Basic Home Loan

    The St.George Basic Home Loan offers you an affordable interest rate, low fees and the opportunity to repay your loan sooner if you choose.

  • St.George Fixed Rate Home Loan

    When you fix the interest rate on your home loan, you can prepare your budget for the fixed amount and know exactly what your repayments will be over this time.

  • St.George Standard Variable Rate Home Loan

    The St.George Standard Variable Rate Home Loan is a full-featured home loan that offers a low interest rate.

Home Loan Offers

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