St.George Fixed Rate Advantage Package

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

When you opt for the Advantage Package with the Fixed Rate Home Loan from St.George, you can avoid having to pay a number of fees and get a discount off the standard rates if your home loan is over $100,000.

These fee waivers cover some of the fees associated with a home loan, and also apply to your St.George credit card and bank accounts. To qualify for the Advantage Package, you need to choose an eligible St.George home loan, credit card and transaction account and pay the $395 annual package fee.

Cashback offers for the Advantage Package

Eligible borrowers can receive a cashback when taking out a principal and interest St.George Advantage Package loan with a minimum loan size of $250,000. Customers refinancing an owner occupier or investment loan can receive a $2,000 cashback on applications received from 1 April 2019 to 30 June 2019 and settled by 31 August 2019. New owner occupier and investment borrowers can receive a $1,000 cashback and must apply between 1 April 2019 to 30 June 2019, with settlement by 31 August 2019.

Cashback offers exclude Portfolio loans and customers refinancing from within the Westpac banking group.

Interest Rate Max Insured LVR Max LVR
1 Year Fixed Rate (Owner Occupier, P&I)
4.09% p.a.
Comparison Rate
5.18% p.a.
95% 80%
1 Year Fixed (Investors, P&I)
4.49% p.a.
Comparison Rate
5.71% p.a.
95% 80%
1 Year Fixed Rate (Owner Occupier, IO)
4.59% p.a.
Comparison Rate
5.74% p.a.
95% 80%
1 Year Fixed (Investors, IO)
4.39% p.a.
Comparison Rate
6.17% p.a.
95% 80%
2 Year Fixed Rate (Owner Occupier, IO)
4.49% p.a.
Comparison Rate
5.65% p.a.
95% 80%
2 Year Fixed Rate (Owner Occupier, P&I)
3.69% p.a.
Comparison Rate
5.03% p.a.
95% 80%
2 Year Fixed (Investors, P&I)
3.89% p.a.
Comparison Rate
5.51% p.a.
95% 80%
2 Year Fixed (Investors, IO)
4.29% p.a.
Comparison Rate
6.01% p.a.
95% 80%
3 Year Fixed Rate (Owner Occupier, IO)
4.59% p.a.
Comparison Rate
5.59% p.a.
95% 80%
3 Year Fixed Rate (Owner Occupier, P&I)
3.85% p.a.
Comparison Rate
4.98% p.a.
95% 80%
3 Year Fixed (Investors, P&I)
4.19% p.a.
Comparison Rate
5.47% p.a.
95% 80%
3 Year Fixed (Investors, IO)
4.54% p.a.
Comparison Rate
5.94% p.a.
95% 80%
4 Year Fixed Rate (Owner Occupier, IO)
4.99% p.a.
Comparison Rate
5.67% p.a.
95% 80%
4 Year Fixed Rate (Owner Occupier, P&I)
4.39% p.a.
Comparison Rate
5.09% p.a.
95% 80%
4 Year Fixed (Investors, P&I)
4.89% p.a.
Comparison Rate
5.61% p.a.
95% 80%
4 Year Fixed (Investors, IO)
5.19% p.a.
Comparison Rate
6.06% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, IO)
5.09% p.a.
Comparison Rate
5.68% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, P&I)
4.39% p.a.
Comparison Rate
5.06% p.a.
95% 80%
5 Year Fixed (Investors, P&I)
4.59% p.a.
Comparison Rate
5.45% p.a.
95% 80%
5 Year Fixed (Investors, IO)
4.99% p.a.
Comparison Rate
5.92% p.a.
95% 80%
Product NameSt.George Fixed Rate Advantage Package
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Maximum Loan Amount$2,000,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetNo
Loan Redraw FacilityYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$0
Lender's Legal Fee$0
Valuation Fee$164
Ongoing Fees$395 p.a.
Settlement Fee$100
Discharge Fee$350


  • $0 application fee
  • Make additional payments during the fixed term without penalty (up to $10,000 a year)
  • Withdraw excess funds from your mortgage via the redraw facility (up to $10,000 a year)


  • There is a settlement fee of $100
  • There is an annual package fee of $395
  • There is a $350 discharge fee when you close your home loan account

Things to consider about this product

The St.George Fixed Rate Home Loan with Advantage Package is an option to consider for both investors and owner occupants. 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. You can also lock in your fixed rate for up to 90 days before the loan is settled to avoid losing out on a competitive rate in the time it takes your loan to settle.

As an investor, if you wish to make advanced interest payments, you could receive a discount of 0.15% p.a. off of the fixed interest rate. If you have that advanced payment deducted from a St.George transaction account, your discount will be increased to 0.20% p.a.

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.

Features of the St.George Fixed Rate Home Loan with Advantage Package

There are a number of features of the fixed rate home loan package to consider when making a choice for your financing:

  • Loan to value ratio (LVR). With Lender’s Mortgage Insurance (LMI) you can borrow up to 95% LVR. To avoid paying this premium, you would have to reduce the LVR to 80% by making a larger down payment.
  • Loan terms. The fixed rate term is for one to five years at which point it will convert to a variable rate with terms of up to 30 years.
  • Repayment frequency. Set up your loan terms to make weekly, fortnightly or monthly repayments when paying interest and principal.
  • Repayment options. You can choose to make interest-only repayments, but these can only be made monthly. Additional repayments are also permitted for amounts of less than $10,000 each year.
  • Offset account. There is a partial-interest offset account that can save you money on interest over the life of the loan.
  • Redraw facility. You can apply to redraw extra repayments, to a maximum of $10,000 each year.


Fees you can avoid

  • Loan establishment fee $0. Without the Advantage Package, loan establishment would cost $600.
  • Monthly administration fees $0. The Fixed Rate Home Loan typically charges $10 a month, which is waived with the Advantage Package.
  • Rate lock fee. There is a rate lock fee of 0.15% or $500 (whichever is higher). This is capped at $1,000 for loans up to $2 million.
  • Credit card and transaction account fees. The annual and monthly fees for the linked credit card and transaction account are waived. Other fees, such as ATM charges may still apply.

Fees you can’t avoid

  • Annual fee $395. Charged to you each year until the terms of the home loan have been met.
  • Settlement fee $100. This is charged to you at the time of settlement.
  • Exit fee $350. This is payable upon completion of the home loan terms.

Find out what your repayments will be in a few seconds

How to apply for this home loan

If you would like to apply or find out more information about this home loan package, you can click on the secure links on this page to be taken to St.George’s enquiry page. You can request an obligation-free callback and you can apply straightaway if you wish.

The application will take around 15 minutes to complete, though first make sure that you are going to qualify for approval:

  • Age. Applications can only be considered by individuals who are over the age of 18.
  • Income. You will have to be able to show that you receive a regular income from an Australian employer.
  • Property. The property to be purchased or refinanced must be in Australia.
  • Credit history. Your application will not be accepted if you have a credit history that includes a bankruptcy or missed payments.

Keep in mind that if you don’t already have a transaction and credit card account with St.George Bank, you will need to apply for these products as well. If you would like to continue now to apply for a home loan with St.George, click on ‘apply now’ and be safely redirected to the online application center. Be prepared with the following information:

  • Savings history. The last three months worth of savings accounts statements if you have these accounts in banks or financial institutions other than St.George.
  • Salary. Your last two consecutive pay slips. Make sure that they detail your income and show year-to-date information for your gross and net pay.
  • Contract of sale. This you will obtain from the seller and should detail the agreed upon price of the home or property.

Once you submit your home loan application online, a representative will be in touch with you to go over your forms and guide you to the next stage of the application process.

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St.George Fixed Rate Advantage Package

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $0 / $395

  • Max LVR


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