St.George Home Loans

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.

• Owner Occupier
• Investor

Rates last updated August 20th, 2017

Borrowing amount

$

Period 1 year2 years5 years10 years15 years20 years25 years30 years

Calculate Advanced Search

Loan purpose

Show all Owner occupier Investment Construction

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

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		Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Monthly Payment
	St.George Basic Home Loan - Promotional Rate (Owner Occupier, P&I) A no frills loan with a competitive rate and a maximum LVR of 95%.	3.80%	3.81%	$0	$0 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 3 Year Fixed Rate (Owner Occupier, P&I) Borrow up to 95% LVR (subject to approval) and fix your interest repayments for the next 3 years.	3.94%	4.91%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $500k to $749k (Special Discount) (Owner Occupier, IO) Get a discount off the standard variable rate and pay interest only repayments.	4.96%	5.35%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier, P&I) A competitive 2 year fixed rate which allows extra repayments of up to $10,000 per year.	4.14%	5.18%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Standard Variable Loan - Variable Rate (Owner Occupier, IO) A no frills home loan with a 100% offset account and high maximum LVR.	5.81%	5.97%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Advantage Package Home Loan - $250k to $499k (Special Discount Owner Occupier) (IO) Enjoy a lower discounted interest when borrowing more than $250K. $1,500 cash back available for refinancers, conditions apply.	5.01%	5.40%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 2 Year Fixed Rate (Owner Occupier, P&I) 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.	3.99%	4.98%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 4 Year Fixed Rate (Owner Occupier, P&I) Enjoy a lower 4 year fixed rate with the Advantage Package.	4.29%	4.97%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 1 Year Fixed Rate (Owner Occupier, P&I) Fix your interest rate for 1 year and get a discount through the Advantage Package.	3.99%	5.04%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 5 Year Fixed Rate (Owner Occupier, P&I) Fix in a competitive rate for five years and pay no establishment or monthly fees.	4.29%	4.94%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $150K to $249K (Special Discount Owner Occupier) (IO) Enjoy zero establishment fee and discounts on other products.	5.21%	5.59%	$0	$395 p.a.	95%		Enquire now More info
	St.George Portfolio Home Loan with Advantage Package - Variable ($100k to $149k) IO A line of credit with discounted interest rates.	6.19%		$0	$395 p.a.	90%		Enquire now More info
	St.George Portfolio Home Loan With Advantage Package - $150K to $249k (Special Discount) A package loan which allows access to equity at a discounted rate.	5.84%		$0	$395 p.a.	90%		Enquire now More info
	St.George Portfolio Home Loan With Advantage Package - $250K to $499K (Special Discount) Enjoy the flexibility of an equity loan when building your home.	5.64%		$0	$395 p.a.	90%		Enquire now More info
	St.George Fixed Super Fund Home Loan - 1 Year Fixed Rate (Investors, IO) Lock in a competitive rate for 1 year and save on costs related to your SMSF investment.	6.44%	7.25%	$1,500	$12 monthly ($144 p.a.)	70%		Enquire now More info
	St.George Portfolio Home Loan - 2 Years Fixed (Investor, IO) A customisable line of credit loan with a competitive fixed rate.	4.94%		$700	$200 p.a.	90%		Enquire now More info
	St.George Portfolio Home Loan - Variable Rate A line of credit loan which allows you to open up to 12 sub accounts.	6.44%		$700	$200 p.a.	90%		Enquire now More info
	St.George Relocation Home Loan - with end loan (Owner Occupier, IO) A bridging home loan which takes the stress out of selling your old home before switching to another regular St.George loan. A	5.81%	5.97%	$600	$10 monthly ($120 p.a.)	90%		Enquire now More info
	St.George Relocation Home Loan - without end loan (Owner Occupier, IO) A feature-packed bridging loan.	5.81%	6.03%	$1,350	$10 monthly ($120 p.a.)	80%		Enquire now More info

Rates last updated August 20th, 2017

Borrowing amount

$

Period 1 year2 years5 years10 years15 years20 years25 years30 years

Calculate Advanced Search

Loan purpose

Show all Owner occupier Investment Construction

Offset account

Show all Yes No

Loan type

Show all Fixed Variable

Your filter criteria do not match any product Reset

		Interest Rate (p.a.)	Comp Rate^ (p.a.)	Application Fee	Ongoing Fees	Max LVR	Monthly Payment
	St.George Fixed Rate Advantage Package - 2 Year Fixed (Investors, P&I) Package your investment loan with other St.George products and get discounts. $1,500 cash back available for refinancers, conditions apply.	4.19%	5.46%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 2 Year Fixed Rate (Investor, P&I) A fixed rate loan with with low ongoing fee, redraw facility and 100% offset account facility.	4.34%	5.67%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Basic Home Loan - Promotional Rate (Investor, P&I) Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.	4.39%	4.40%	$0	$0 p.a.	95%		Enquire now More info
	St.George Basic Home Loan - Variable Rate (Investors,IO) Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.	5.74%	5.79%	$0	$0 p.a.	95%		Enquire now More info
	St.George Basic Home Loan - Variable Rate (Investor, P&I) Borrow up to 95% LVR and pay no application fee if your loan is over $150K for a limited time.	5.20%	5.25%	$0	$0 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 3 Year Fixed (Investors, P&I) Lock in your rate for 3 years on your investment property and know your monthly repayments. $1,500 cash back available for refinancers, conditions apply.	4.19%	5.37%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 1 Year Fixed (Investors, P&I) A package home loan with no application fee and borrow up to 95% LVR with redraw facility.	4.19%	5.56%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 3 Year Fixed Rate (Investor, P&I) A fixed rate loan with with low ongoing fee, redraw facility and 100% offset account facility.	4.34%	5.55%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 1 Year Fixed Rate (Investor, P&I) A fixed rate loan with with low ongoing fee, redraw facility and 100% offset account facility.	4.34%	5.80%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Advantage Package Home Loan - $750,000k + (Special Discount) (Investor, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	4.88%	5.27%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $750,000k + (Special Discount) (Investor, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.42%	5.80%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $500,000 to $749,999 (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.08%	5.47%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $100,000 to $149,999 (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.53%	5.91%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $150,000 to $249,999 (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.28%	5.66%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $150K to $249,999 (Special Discount Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.18%	5.56%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $750,000 to $999,999 (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.08%	5.47%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $250,000 to $499,999 (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.08%	5.47%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $250k to $499,999 (Special Discount Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	4.98%	5.37%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $150,000 to $249,999 (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.82%	6.19%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $750,000 to $999,999 (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.62%	6.00%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $500k to $749k (Special Discount) (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	4.93%	5.32%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $500,000 to $749,999 (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.62%	6.00%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $1 Million + (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.62%	6.00%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $1 Million + (Investors, P&I) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.08%	5.47%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $250,000 to $499,999 (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	5.62%	6.00%	$0	$395 p.a.	95%		Enquire now More info
	St.George Advantage Package Home Loan - $100,000 to $149,999 (Investors, IO) Enjoy a package loan with a 100% offset account, redraw facility and no application fee.	6.07%	6.44%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 4 Year Fixed Rate (Investor, P&I) A fixed rate loan with with low ongoing fee, redraw facility and 100% offset account facility.	4.74%	5.58%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Fixed Rate Home Loan - 5 Year Fixed Rate (Investor, P&I) A fixed rate loan with with low ongoing fee, redraw facility and 100% offset account facility.	4.74%	5.50%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 4 Year Fixed (Investors, P&I) A package home loan with no application fee and borrow up to 95% LVR with redraw facility.	4.59%	5.42%	$0	$395 p.a.	95%		Enquire now More info
	St.George Fixed Rate Advantage Package - 5 Year Fixed (Investors, P&I) 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%		Enquire now More info
	St.George Standard Variable Loan - Residential Investment (P&I) A variable rate home loan with a 100% account with redraw facility and borrow up to 95% LVR.	5.78%	5.94%	$600	$10 monthly ($120 p.a.)	95%		Enquire now More info
	St.George Super Fund Home Loan - Variable (Investor, P&I) Enjoy 100% offset account facility with low ongoing fee.	6.53%	6.78%	$1,500	$12 monthly ($144 p.a.)	70%		Enquire now More info
	St.George Standard Variable Loan - Residential Investment (IO) A variable rate home loan with a 100% account with redraw facility and borrow up to 95% LVR.	6.32%	6.48%	$600	$10 monthly ($120 p.a.)	90%		More info
	St.George Super Fund Home Loan - Variable (Investor, IO) Enjoy 100% offset account facility with low ongoing fee.	7.07%	7.32%	$1,500	$12 monthly ($144 p.a.)	70%		Enquire now More info
	St.George Fixed Super Fund Home Loan - 3 Year Fixed Rate (Investors, IO) A competitive 3 year rate which can be used to purchase property through an SMSF.	6.54%	7.16%	$1,500	$12 monthly ($144 p.a.)	70%		Enquire now More info
	St.George Relocation Home Loan - without end loan (Investors)	6.32%	6.54%	$600	$10 monthly ($120 p.a.)	90%		Enquire now More info
	St.George Relocation Home Loan - with end loan (Investors)	6.32%	6.48%	$600	$10 monthly ($120 p.a.)	90%		Enquire now More info

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.