St.George Super Fund Home Loan

Rates and Fees verified correct on October 24th, 2016

Buy a property through your SMSF and enjoy a 100% offset account with the St.George Super Fund Home Loan

If you happen to have your own self managed super fund, or you're thinking of creating one, you can now benefit from some of the superfund home loans available from St.George.

These super fund home loans give you the chance to diversify your portfolio by being able to invest in residential property.

Having a diverse portfolio means that the superfund won't have to rely on just one form of growth.

The St.George bank superfund home loan has the following features:

  • Option to have a partial or 100% offset account.
  • Ability to make extra repayments.
  • Option to choose payment frequency.
Interest Rate Max Insured LVR Max LVR
Variable (Investor, IO)
5.59% p.a.
Comparison Rate
5.84% p.a.
70% 70%
Variable (Investor, P&I)
5.55% p.a.
Comparison Rate
5.80% p.a.
70% 70%
Product NameSt.George Super Fund Home Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$100,000
Maximum Loan Amount$2,000,000
Maximum Loan Term30 years
Maximum LVR70%
Maximum Insured LVR70%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityNo
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$1,500
Lender's Legal Fee$0
Valuation Fee$0
Ongoing Fees$12 monthly ($144 p.a.)
Settlement Fee$100
Discharge Fee$350


  • Borrow money through a SMSF to purchase property
  • You can link a 100% offset account to your home loan
  • You can make additional payments off the home loan balance at any time without penalty


  • A $1500 application fee applies
  • There is a $100 settlement fee
  • A $12 per month account service fee applies
  • A discharge fee of $350 applies when you close your SMSF home loan

The St.George Super Fund Home Loan features

For people who run their own super fund and are interested in purchasing an investment property, here is some information about the St.George Super Fund home loan that can help you make a decision on whether or not this is the right loan for your superfund:

  • Variable rate. The St.George Super Fund home loan has a variable rate, which means that the interest rate on the home loan can be changed by the bank. Variable rate home loans often have a rate which is cheaper than a fixed rate home loan because the banks will often factor in future interest rate fluctuations. If you like the sound of this loan, but you would prefer a fixed rate than St.George offer, you can view a fixed rate super fund home loan here.
  • Offset account. The Super Fund home loan has the option of either having a 100% or partial percentage offset account. This means that any savings that the super fund may have in another account can be used to offset either all or part of the interest being paid on the home loan. This can be a great option for super funds that have large savings.
  • You can make extra repayments. You have the option of being able to make extra repayments on your home loan up to the amount of $10,000 per year with a St.George Super Fund home loan. Being able to make these extra repayments is a great way of reducing the total amount to be paid in interest and the length of your loan.
  • Several payment options. You can have either weekly, fortnightly, or monthly repayments on your St.George Super Fund home loan. This means that you're able to structure the repayment of your home loan in a way that best suits your financial situation.
  • Establishment and monthly fees. A $1,500 establishment fee applies to the St.George Bank Super Fund home loan, plus an monthly fee of $12. Fees may also apply for additional features.

Benefits of having a Super Fund Home Loan

There are several benefits of having a Super Fund home loan but like any financial product, your super fund home loan has to be managed correctly for you to be able to take full advantage of these benefits:

  • Diversify your self-managed super fund. By having a St.George Super Fund home loan, your superfund will only have to repay your loan payments, which means that your self-managed superfund can have cash freed up to be invested in other ways, such as term deposits or shares. This will help ensure that your self-managed super fund will keep performing well.
  • Use rental repayments to help repay the loan. With a St.George Super Fund home loan, you can use the rental payments from your investment property to help offset the repayment on the property, which helps the super fund find money that can be used to fund other investments.

People who are suited to a St.George Bank Super Fund Home Loan

The St.George Super Fund home loan should only be used by people that would like to invest in residential property and have, or are considering opening a self managed super fund, looking for investments with a long timeframe of 15 to 30 years.

If you think that the St.George Super Fund home loan suits your current position and you would like more information, or to apply, then followed the secure link to St.George here. If you're not quite sure about this home loan or if you would like to compare it to other super fund home loans or even standard home loans, then you can view our home loan comparison tables here.

Know how much you want to borrow? Use our calculator to find out what your repayments will be

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St.George Super Fund Home Loan Interest Rate History vs RBA Cash Rate Graph

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This page was last modified on 27 August 2015 at 11:33.

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8 Responses to St.George Super Fund Home Loan

  1. Default Gravatar
    Rich | April 23, 2016

    Hi there.
    Our names are Richard and Robyne .
    My wife and i are looking for an $100k investment loan for our Super Annuation
    fund. Our Super fund owns one property, fully paid for and is currently rented at
    $315 per week , approx $11000 per year after expense’s. We understand that
    not all banks will lend money for Super funds as the loan would be a none
    recourse loan in addition the property is less than 40 square m. However with two
    rental incomes and both my wife and i are full time employed, repayments will be
    easily met.

    Can you help

    • Staff
      Belinda | April 26, 2016

      Hi Rich,

      Thanks for reaching out. is an online comparison service, so while we can provide you with general information we are not licensed to give you personal financial advice.

      You can compare several self-managed super fund (SMSF) home loans on this page and you can also complete the form if you’d like to speak to a SMSF specialist regarding your borrowing options.

      If the property is less than 40 square metres, it may be difficult to access finance which is where a mortgage broker may come in handy. A broker can help you filter through different home loan products to find one that’s suitable for your financial situation.

      All the best,

  2. Default Gravatar
    Fiona | July 3, 2015

    I have recently been knocked back for a SMSF loan from St George, due to the property I wish to purchase being located in a Zone 3 area outside Sydney. could someone please email me regarding this. I would like to know which suburbs come under Zones 1,2 and 3

    • Staff
      Belinda | July 6, 2015

      Hi Fiona,

      Thanks for reaching out.

      I’ve emailed you regarding this enquiry.


  3. Default Gravatar
    stephen | August 18, 2014

    I am 61 years old and are looking to retire in 2 years.
    I wish to purchase a residential unit in my super fund.
    The superfund is in a corporate trust.
    I am considering paying for the property with a 50% deposit from my Super and borrowing 50%
    The amount to be borrowed will be approx $350,000
    I wish to pay off the loan in 10 Years
    Please let me know what you need and the time line required once you have the documents for loan approval.

    • Staff
      Shirley | August 19, 2014

      Hi Stephen,

      Thanks for your question.

      Please see the link I’ve emailed you regarding the documentation required for this loan. If you click on the ‘how to apply’ tab it will show a list of what you need to apply.

      In terms of how long the process takes, these are different for every case. After you’ve submitted your enquiry, a St.George home loan expert will call at your preferred time.

      All the best,

  4. Default Gravatar
    stuart | November 13, 2013

    I’m on your “” webpage and my question is this, “is the $144 a yearly fee or a monthly fee?”

    In the “Establishment and monthly fees” part of your document you seem to say it’s a monthly fee —>

    “Establishment and monthly fees. A $1,500 establishment fee applies to the St.George Bank Super Fund Home Loan, plus a monthly fee of $144″

    But in other parts of the same webpage, you say its a “Annual Service Fee” of $144

    Or maybe there are 2 fees – a monthly $144 fee + an annual $144 fee?

    • Staff
      Shirley | November 13, 2013

      Hi Stuart,

      Thanks for your comment.

      Apologies, there is a monthly fee of $12 for this home loan, which then adds up to $144 per year.

      I’ve updated the copy to reflect this, thank you so much for pointing this out and sorry for any inconvenience caused.


St.George Super Fund Home Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $1,500 / $12

  • Max LVR


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