St.George Fixed Rate Home Loan

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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.

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Expert review

Marc Terrano

Review by


Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money.

Expert review

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.

About this loan

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

  • Borrowing conditions. The St.George Fixed Rate Home Loan allows you to borrow between and to buy a home. You will have to provide a deposit of at least 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.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up to $4,000 cashback and borrow up to 80% of the property's value (terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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