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St.George Standard Variable Rate Home Loan

Make use of a full-featured home loan that can be used for a variety of purposes

The St.George Standard Variable Rate Home Loan allows you to make use of offset accounts, redraw facilities and extra repayments.

St.George also offers fixed rate loans and the Advantage Package, which offers discounts on interest rates and bundled credit cards and transaction accounts.

Limited time discount offer

For a limited time, St.George is offering a 1.32% p.a. discount off the standard variable rate with Advantage Package for loans of more than $100,000.

Interest Rate Max Insured LVR Max LVR
Residential Investment (IO)
5.41% p.a.
Comparison Rate
5.58% p.a.
90% 80%
Residential Investment (P&I)
5.12% p.a.
Comparison Rate
5.29% p.a.
90% 80%
Residential Investment LVR 60% to 80% (IO)
5.36% p.a.
Comparison Rate
5.53% p.a.
60% 60%
Residential Investment LVR 60% to 80% (P&I)
5.07% p.a.
Comparison Rate
5.24% p.a.
60% 60%
Residential Investment LVR up to 60% (IO)
5.31% p.a.
Comparison Rate
5.48% p.a.
60% 60%
Residential Investment LVR up to 60% (P&I)
5.02% p.a.
Comparison Rate
5.19% p.a.
60% 60%
Variable Rate (Owner Occupier, IO)
5.15% p.a.
Comparison Rate
5.32% p.a.
95% 80%
Variable Rate (Owner Occupier, P&I)
4.56% p.a.
Comparison Rate
4.73% p.a.
95% 80%
Variable Rate LVR 60% to 80% (Owner Occupier, IO)
5.1% p.a.
Comparison Rate
5.27% p.a.
60% 60%
Variable Rate LVR 60% to 80% (Owner Occupier, P&I)
4.51% p.a.
Comparison Rate
4.68% p.a.
60% 60%
Variable Rate LVR up to 60% (Owner Occupier, IO)
5.05% p.a.
Comparison Rate
5.22% p.a.
60% 60%
Variable Rate LVR up to 60% (Owner Occupier, P&I)
4.46% p.a.
Comparison Rate
4.63% p.a.
60% 60%
Product NameSt.George Standard Variable Loan
Interest Rate TypeVariable
Comp Rate^ (p.a.)
Minimum Loan Amount$10,000
Minimum Loan Term1 year
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
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 FeeFrom $164
Ongoing Fees$10 monthly ($120 p.a.)
Settlement Fee$100
Discharge Fee$350


  • You can link a 100% offset account to your home loan
  • You can make additional repayments without penalty, and a free redraw facility to access these if you want to
  • Repayment pause available if your financial circumstances change
  • Additional discounts off the advertised variable and fixed rates are available if you choose an Advantage Package


  • An application fee of $600 applies
  • There is a service fee of $10 per month which equates to $120 annually
  • A settlement fee of $100
  • Discharge fee of $350 when you close the loan

Things to consider about the St.George Standard Variable Rate Home Loan

The Standard Variable Rate Home Loan is available for property or vacant land purchases and for building purposes. It’s a full documentation loan, so you’ll need to supply the regular documents required with a loan application. For the self-employed or others looking for a low doc loan, St.George provides separate loan options.

Features of the St.George Standard Variable Rate Home Loan

    • Maximum loan amount - You can borrow up to 95% of the loan to value ratio (LVR) of the property if you're using the loan for owner occupied purposes, otherwise you can borrow up to 90% LVR when using the loan for investment purposes. LVRs above 80% require lenders mortgage insurance (LMI). The maximum loan term is 30 years, with the option of a 15 year interest-only period.
    • 100% offset account - An offset account is a transaction account linked to your home loan. Any funds in this account offset the interest payable on your home loan for the same amount.
    • Additional repayments - This loan gives you the option of making extra repayments at any time at no extra charge.
    • Redraw facility - A redraw facility allows you to access any extra funds you've paid into your home loan account.
    • Repayment pause option - If sickness or any other legitimate reason means you aren’t able to work and therefore not able to meet your repayments, you can have your repayments paused or reduced to an agreed upon amount. Payments can be paused for a period of 3-12 months. However, to apply for the repayment pause, you need to have had your home loan for at least 12 months.
    • Repayment options - The St George Standard Variable Rate Home Loan gives you the option of setting your repayments to weekly, fortnightly or monthly instalments for principal and interest repayments. You can also elect to pay just the interest portion of your loan via monthly repayments.

What fees will you pay for the St.George Standard Variable Rate Home Loan?

  • Lenders mortgage insurance (LMI). Amount varies. If you borrow more 80% of the property’s value, you’ll have to pay an LMI premium. The amount you’ll have to pay depends on the property price and other factors. St.George also gives you the option of using a family member to provide additional security for some of your loan, meaning you can reduce your LVR and avoid paying LMI.
  • Establishment fee. $600. This fee is charged to cover the costs arising from finalising your loan application.
  • Settlement fee. $100. The settlement fee covers the cost of transferring funds from your lender to you.
  • Monthly administration fee. $10. This is a fee which covers the upkeep of your account each month.

Find out what your repayments could be in a few seconds

Applying for the St.George Standard Variable Rate Home Loan

To find out more about this loan, or to apply, click the ‘Go to site’ button below. This will take you to the St.George website where you can arrange a callback or start an application. To arrange a callback, you’ll need to enter your contact details.

When you’re shopping around for a home loan it’s important that you find one that suits your financial situation. It’s also important to find a loan that will work for you and will provide you with features that will benefit you.

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St.George Standard Variable Loan

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $600 / $10

  • Max LVR


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