St.George Fixed Rate Advantage Package

Combine your credit card and transaction account with a fixed rate home loan and save money on fees.

The St.George Advantage Package Fixed Rate Home Loan is a flexible, competitive fixed rate mortgage with many options for investors and home buyers.

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Review by

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification.

Expert review

The St.George Fixed Rate Home Loan with Advantage Package is an option to consider for both investors and owner occupiers. It can also be used towards the purchase of vacant land. St.George allows for fixed rate periods of up to five years, giving you the choice to lock in for a range of terms.

Package home loans offer the convenience of having multiple financial products with one institution, but it's important to check that each product is one you'll actually use.

About this loan

What are the features and benefits of the St.George Advantage Package Fixed Home Loan?

  • Purpose. This loan is for both home buyers and investors.
  • Package benefits. As a package loan, the St.George Advantage Package Fixed Loan requires you to take out a credit card and transaction account with the bank in exchange for a single package fee. It's a convenient way to combine your banking, but if you're not interested in the other package products, this might not be the loan for you.
  • Rate type. This loan allows principal and interest or interest-only repayments, for both investors and owner-occupiers.
  • Repayment flexibility. You can repay this loan monthly, weekly or fortnightly, and you can make extra repayments up to $30,000 during the fixed period.

How to apply

To apply for this product or to get more information, click the green "Go to site" button and leave your details on the St.George's website. A St.George lending specialist will get in touch with you to help you start the application process and answer all your questions.

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    August 23, 2021

    Can i change lender’s & get a better rate, if my mortgage is above 250,000 & receive the $3000 cash back??

      August 24, 2021

      Hi Leigh,

      It is definitely worth finding out! Refinancing is a really clever way of accessing a cheaper interest rate and a cash back offer. You’ll need to meet the loan criteria, however, which will include things like a minimum income level, a review of your debts and credit cards, and an assessment of your ability to repay the loan. To find out if you qualify, click the green ‘go to site’ button, or if that’s not available, visit

      Hope that helps!


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