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
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Most 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).
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.
Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
More home loan questions
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.
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.
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.
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.
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.
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.
Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio
Rebecca's expertise
Rebecca has written 184 Finder guides across topics including:
Any chance of a loan for a deposit on a unit to downsize we are pensioners but owned our home for 50 years
Finder
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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Any chance of a loan for a deposit on a unit to downsize we are pensioners but owned our home for 50 years
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!