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St.George home loans

St.George has home loans for owner-occupiers and investors, with rates starting from 6.39%.

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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.

  • Refinance cashback offer

    Eligible refinancers switching to St.George can get a $2,000 cashback. To qualify, you need to refinance a loan amount of at least $250,000 with an LVR up to 80%. This offer is available for new owner-occupier loans with principal-and-interest repayments, or investment loans (principal-and-interest or interest-only). This offer is available on the Basic Home Loan and Advantage Package (annual package fee applies).

    You can apply for this offer from 1 September 2023 and your loan must settle within 120 days from the application.There is a limit of one cashback offer per primary applicant. The offer excludes anyone refinancing from within the Westpac group (Westpac, St.George, Bank of Melbourne, Bank SA and RAMS). Other conditions apply.

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 Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest20% min. depositOwner-occupier
Interest Rate
6.39%
Comparison Rate
6.40%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$939
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest10% min. depositOwner-occupier
Interest Rate
6.69%
Comparison Rate
6.70%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$968
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 2Y Fixed20% min. depositInvestment
Interest Rate
6.59%
Comparison Rate
8.07%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$958
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Interest Rate
6.59%
Comparison Rate
7.64%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$958
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Principal & Interest 4Y Fixed20% min. depositOwner-occupier
Interest Rate
6.69%
Comparison Rate
7.52%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$968
$2,000 cashback
Refinancers borrowing $250,000 or more can get a $2,000 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

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2 Responses

    Default Gravatar
    MarilynJune 29, 2023

    Any chance of a loan for a deposit on a unit to downsize we are pensioners but owned our home for 50 years

      AvatarFinder
      SarahJuly 3, 2023Finder

      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!

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