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.

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 offer 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 September 2019 and settled by 30 November 2019.
Cashback offers exclude Portfolio loans and customers refinancing from within the Westpac banking group.

Interest Rate Max Insured LVR Max LVR
5 Year Fixed Rate LVR up to 60% (Owner Occupier, P&I)
2.94% p.a.
Comparison Rate
3.72% p.a.
60% 60%
3 Year Fixed LVR 60% to 80% (Investors, P&I)
3.69% p.a.
Comparison Rate
4.43% p.a.
80% 60%
4 Year Fixed Rate LVR up to 60% (Owner Occupier, P&I)
2.94% p.a.
Comparison Rate
3.76% p.a.
60% 60%
2 Year Fixed Rate LVR 60% to 80% (Owner Occupier, IO)
3.79% p.a.
Comparison Rate
4.51% p.a.
80% 60%
2 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.99% p.a.
Comparison Rate
3.90% p.a.
80% 60%
2 Year Fixed Rate LVR up to 60% (Owner Occupier, IO)
3.74% p.a.
Comparison Rate
4.47% p.a.
60% 60%
2 Year Fixed Rate LVR up to 60% (Owner Occupier, P&I)
2.94% p.a.
Comparison Rate
3.85% p.a.
60% 60%
4 Year Fixed Rate LVR up to 60% (Owner Occupier, IO)
4.04% p.a.
Comparison Rate
4.50% p.a.
60% 60%
4 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.99% p.a.
Comparison Rate
3.81% p.a.
80% 60%
3 Year Fixed LVR 60% to 80% (Investor, IO)
3.89% p.a.
Comparison Rate
4.69% p.a.
80% 60%
3 Year Fixed LVR up to 60% (Investor, IO)
3.84% p.a.
Comparison Rate
4.65% p.a.
60% 60%
4 Year Fixed LVR 60% to 80% (Investor, IO)
3.99% p.a.
Comparison Rate
4.69% p.a.
80% 60%
3 Year Fixed LVR up to 60% (Investors, P&I)
3.64% p.a.
Comparison Rate
4.39% p.a.
60% 60%
4 Year Fixed Rate LVR 60% to 80% (Owner Occupier, IO)
4.09% p.a.
Comparison Rate
4.55% p.a.
80% 60%
4 Year Fixed LVR up to 60% (Investors, P&I)
3.84% p.a.
Comparison Rate
4.42% p.a.
60% 60%
4 Year Fixed LVR up to 60% (Investor, IO)
3.94% p.a.
Comparison Rate
4.64% p.a.
60% 60%
4 Year Fixed LVR 60% to 80% (Investors, P&I)
3.89% p.a.
Comparison Rate
4.47% p.a.
80% 60%
3 Year Fixed Rate LVR 60% to 80% (Owner Occupier, IO)
3.79% p.a.
Comparison Rate
4.48% p.a.
80% 60%
3 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.99% p.a.
Comparison Rate
3.86% p.a.
80% 60%
3 Year Fixed Rate LVR up to 60% (Owner Occupier, IO)
3.74% p.a.
Comparison Rate
4.43% p.a.
60% 60%
5 Year Fixed LVR 60% to 80% (Investor, IO)
3.99% p.a.
Comparison Rate
4.65% p.a.
80% 60%
5 Year Fixed LVR 60% to 80% (Investors, P&I)
3.89% p.a.
Comparison Rate
4.45% p.a.
80% 60%
5 Year Fixed LVR up to 60% (Investor, IO)
3.94% p.a.
Comparison Rate
4.61% p.a.
60% 60%
1 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.99% p.a.
Comparison Rate
3.95% p.a.
80% 60%
1 Year Fixed LVR 60% to 80% (Investor, IO)
3.99% p.a.
Comparison Rate
4.80% p.a.
80% 60%
1 Year Fixed LVR 60% to 80% (Investors, P&I)
3.69% p.a.
Comparison Rate
4.51% p.a.
80% 60%
1 Year Fixed LVR up to 60% (Investor, IO)
3.94% p.a.
Comparison Rate
4.75% p.a.
60% 60%
1 Year Fixed LVR up to 60% (Investors, P&I)
3.64% p.a.
Comparison Rate
4.46% p.a.
60% 60%
5 Year Fixed Rate LVR up to 60% (Owner Occupier, IO)
4.04% p.a.
Comparison Rate
4.50% p.a.
60% 60%
5 Year Fixed LVR up to 60% (Investors, P&I)
3.84% p.a.
Comparison Rate
4.40% p.a.
60% 60%
1 Year Fixed Rate LVR 60% to 80% (Owner Occupier, IO)
3.89% p.a.
Comparison Rate
4.56% p.a.
80% 60%
1 Year Fixed Rate LVR up to 60% (Owner Occupier, IO)
3.84% p.a.
Comparison Rate
4.51% p.a.
60% 60%
1 Year Fixed Rate LVR up to 60% (Owner Occupier, P&I)
2.94% p.a.
Comparison Rate
3.90% p.a.
60% 60%
5 Year Fixed Rate LVR 60% to 80% (Owner Occupier, P&I)
2.99% p.a.
Comparison Rate
3.77% p.a.
80% 60%
5 Year Fixed Rate LVR 60% to 80% (Owner Occupier, IO)
4.09% p.a.
Comparison Rate
4.55% p.a.
80% 60%
2 Year Fixed LVR 60% to 80% (Investor, IO)
3.89% p.a.
Comparison Rate
4.74% p.a.
80% 60%
2 Year Fixed LVR 60% to 80% (Investors, P&I)
3.59% p.a.
Comparison Rate
4.45% p.a.
80% 60%
2 Year Fixed LVR up to 60% (Investor, IO)
3.84% p.a.
Comparison Rate
4.69% p.a.
60% 60%
2 Year Fixed LVR up to 60% (Investors, P&I)
3.54% p.a.
Comparison Rate
4.41% p.a.
60% 60%
3 Year Fixed Rate LVR up to 60% (Owner Occupier, P&I)
2.94% p.a.
Comparison Rate
3.81% p.a.
60% 60%
1 Year Fixed Rate (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
4.00% p.a.
95% 80%
1 Year Fixed (Investor, IO)
4.04% p.a.
Comparison Rate
4.84% p.a.
90% 80%
1 Year Fixed Rate (Owner Occupier, IO)
3.94% p.a.
Comparison Rate
4.61% p.a.
95% 80%
1 Year Fixed (Investor, P&I)
3.74% p.a.
Comparison Rate
4.56% p.a.
90% 80%
2 Year Fixed Rate (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
3.95% p.a.
95% 80%
2 Year Fixed (Investor, IO)
3.94% p.a.
Comparison Rate
4.79% p.a.
90% 80%
2 Year Fixed Rate (Owner Occupier, IO)
3.84% p.a.
Comparison Rate
4.56% p.a.
95% 80%
2 Year Fixed (Investor, P&I)
3.64% p.a.
Comparison Rate
4.50% p.a.
90% 80%
3 Year Fixed Rate (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
3.90% p.a.
95% 80%
3 Year Fixed Rate (Owner Occupier, IO)
3.84% p.a.
Comparison Rate
4.53% p.a.
95% 80%
3 Year Fixed (Investor, P&I)
3.74% p.a.
Comparison Rate
4.48% p.a.
90% 80%
3 Year Fixed (Investor, IO)
3.94% p.a.
Comparison Rate
4.74% p.a.
90% 80%
4 Year Fixed (Investor, P&I)
3.94% p.a.
Comparison Rate
4.52% p.a.
90% 80%
4 Year Fixed Rate (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
3.86% p.a.
95% 80%
4 Year Fixed (Investor, IO)
4.04% p.a.
Comparison Rate
4.73% p.a.
90% 80%
4 Year Fixed Rate (Owner Occupier, IO)
4.14% p.a.
Comparison Rate
4.60% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, IO)
4.14% p.a.
Comparison Rate
4.60% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, P&I)
3.04% p.a.
Comparison Rate
3.82% p.a.
95% 80%
5 Year Fixed (Investor, IO)
4.04% p.a.
Comparison Rate
4.70% p.a.
90% 80%
5 Year Fixed (Investor, P&I)
3.94% p.a.
Comparison Rate
4.50% p.a.
90% 80%
Product NameSt.George Fixed Rate Advantage Package
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$150,000
Maximum Loan Amount$2,000,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR60%
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

Pros

  • $0 application fee
  • Make additional payments during the fixed term without penalty (up to $30,000 a year)
  • Withdraw excess funds from your mortgage via the redraw facility (up to $10,000 a year)

Cons

  • 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 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.

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

  • Loan amount. You can borrow up to $2,000,000 with this loan depending on your rate type and loan purpose.
  • 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.
  • Offset account. The loan comes with a partial offset account.
  • Redraw and splits. This loan allows for online redraw and has a split facility.

What fees and charges come with this loan?

The St.George Advantage Package Fixed Home Loan has few fees apart from the settlement, discharge and annual package fee.

  • Settlement fee: $100. St.George charges this fee to cover the initial set-up of a home loan.
  • Annual package fee (with offset account): $395. You can pay the annual package fee from a St.George transaction account (which is part of the package).
  • Discharge fee: $350. You pay a discharge fee when you end the home loan, either by repaying it or by refinancing to another lender.

How do I apply for this loan?

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.


Enquire about this home loan
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St.George Fixed Rate Advantage Package

  • Interest Rate

    N/A

  • Comparison Rate

    N/A

  • App Fee / Annual Service Fee

    $0 / $395

  • Max LVR

    60%

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