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St.George Fixed Rate Home Loan

Rates and fees last updated on

Secure your budget with a rate which won't change during its fixed term

Fixed rate home loans can help you save money by enabling you to secure a budget which won't change if variable rates do. There are many fixed rate loans available on the market and finding the right one can be difficult. The St.George Fixed Rate Home Loan gives you a flexible choice of fixed terms including 1, 2, 3, 4 and 5 year terms.

Interest Rate Max Insured LVR Max LVR
1 Year Fixed Rate (Investor, IO)
4.79% p.a.
Comparison Rate
6.33% p.a.
95% 80%
1 Year Fixed Rate (Owner Occupier, P&I)
4.14% p.a.
Comparison Rate
5.28% p.a.
95% 80%
1 Year Fixed Rate (Owner Occupier, IO)
4.59% p.a.
Comparison Rate
5.85% p.a.
95% 80%
1 Year Fixed Rate (Investor, P&I)
4.34% p.a.
Comparison Rate
5.80% p.a.
95% 80%
2 Year Fixed Rate (Owner Occupier, P&I)
4.14% p.a.
Comparison Rate
5.18% p.a.
95% 80%
2 Year Fixed Rate (Owner Occupier, IO)
4.59% p.a.
Comparison Rate
5.74% p.a.
95% 80%
2 Year Fixed Rate (Investor, IO)
4.79% p.a.
Comparison Rate
6.18% p.a.
95% 80%
2 Year Fixed Rate (Investor, P&I)
4.34% p.a.
Comparison Rate
5.67% p.a.
95% 80%
3 Year Fixed Rate (Owner Occupier, IO)
4.69% p.a.
Comparison Rate
5.66% p.a.
95% 80%
3 Year Fixed Rate (Owner Occupier, P&I)
4.03% p.a.
Comparison Rate
5.07% p.a.
95% 80%
3 Year Fixed Rate (Investor, P&I)
4.14% p.a.
Comparison Rate
5.49% p.a.
95% 80%
3 Year Fixed Rate (Investor, IO)
4.89% p.a.
Comparison Rate
6.08% p.a.
95% 80%
4 Year Fixed Rate (Owner Occupier, IO)
4.99% p.a.
Comparison Rate
5.68% p.a.
95% 80%
4 Year Fixed Rate (Owner Occupier, P&I)
4.54% p.a.
Comparison Rate
5.15% p.a.
95% 80%
4 Year Fixed Rate (Investor, P&I)
4.74% p.a.
Comparison Rate
5.58% p.a.
95% 80%
4 Year Fixed Rate (Investor, IO)
5.19% p.a.
Comparison Rate
6.08% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, P&I)
4.54% p.a.
Comparison Rate
5.10% p.a.
95% 80%
5 Year Fixed Rate (Investor, P&I)
4.74% p.a.
Comparison Rate
5.50% p.a.
95% 80%
5 Year Fixed Rate (Owner Occupier, IO)
4.99% p.a.
Comparison Rate
5.62% p.a.
95% 80%
5 Year Fixed Rate (Investor, IO)
5.19% p.a.
Comparison Rate
5.99% p.a.
95% 80%
Product NameSt.George Fixed Rate Home Loan
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$10,000
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$600
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$10 monthly ($120 p.a.)
Settlement Fee$100
Discharge Fee$350

Pros

  • You can have the application fee and monthly fees waived if you choose an Advantage Package
  • Additional discounts off the advertised fixed rates are available if you choose an Advantage Package
  • You can make extra payments off your mortgage during the fixed term without penalty

Cons

  • A $600 application fee applies
  • There is a $100 settlement fee
  • There is a $10 per month service fee
  • A discharge fee of $350 is charged when you close your loan account

How does the St.George Fixed Rate Home Loan work?

The St.George Fixed Rate Home Loan functions as most other fixed rate loans do:

  • Fixed interest rate. When you apply for a fixed rate loan you will be able to fix the interest rate and while the rate is fixed you it will not change throughout the fixed term. This is even true if the interest rates rise during that time.
  • How will they help you save? The fixed rate loans will help you save when the interest rates rise. If you have locked in a low rate and the rates rise you may end up saving money on your home loan.

When you are applying for the St.George Fixed Rate Home Loan you will have to be sure that you know the current market and believe that the rates are going to rise.

Features of the St.George Fixed Rate Home Loan

The features of the St.George Fixed Rate Home Loan include:

  • Borrowing conditions. The St.George Fixed Rate Home Loan allows you to borrow between $10,000 and $2,000,000 to buy a home. You will have to provide a deposit of at least 80% of the loan to value ratio.
  • Interest rate. As mentioned before fixed rate loans will generally require you to pay a higher rate of interest. The interest rates offered with the St.George Fixed Rate Home Loan are listed in the table above.
  • Fees. There will be few fees that will be charged to your St.George Fixed Rate Home Loan, however you will have to pay an ongoing fee on this account. The ongoing fee that will be charged to the St.George Fixed Rate Home Loan will be $10 per year. There may also be some application and legal fees that you will have to pay when you apply for the loan.
Extra St.George Options

St.George also offer repayment holidays and guarantor options on their home loans.

  • Repayment Relief. If a situation arises whereby you have a legitimate reason to leave the workforce for between three and 12 months, you can arrange to have your repayments reduced, or even obtain a pause from making repayments, for that period.
  • Family Pledge. Through a family pledge option you are able to increase your borrowings if a parent or other family member is willing to guarantee part of your mortgage.

Automatic switch to variable after fixed period expires

After the fixed rate period has expired on your St.George Fixed Rate Home Loan, you can choose what happens to your interest rates. You can choose to fix your interest rate again, or be switched to a variable interest rate home loan. You can also opt to attach the Advantage Package to your loan which discounts the rate and comes with an annual package fee of $0. Other fees may also be applicable and full details will be disclosed on request.

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This page was last modified on 24 March 2017 at 10:11am.

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St.George Fixed Rate Home Loan

  • Interest Rate

    N/A

  • Comparison Rate

    N/A

  • App Fee / Annual Service Fee

    $600 / $10

  • Max LVR

    80%

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