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St.George Fixed Home Loan (Advantage Package)

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 60%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 60%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR 60%-80%

    Loan: $150,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR < 60%

    Loan: $150,000

  • Owner Occupier (Interest Only)

    LVR 60%-80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR < 60%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR 60%-80%

    Loan: $150,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000

  • Investor (Interest Only)

    LVR < 60%

    Loan: $150,000

  • Investor (Interest Only)

    LVR 60%-80%

    Loan: $150,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $150,000

Fixed 3 year rate
1.98% p.a.
Comparison Rate
3.27% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.03% p.a.
Comparison Rate
3.32% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.08% p.a.
Comparison Rate
3.37% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.59% p.a.
Comparison Rate
4.10% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
3.64% p.a.
Comparison Rate
4.15% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.39% p.a.
Comparison Rate
3.78% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate
3.82% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
3.87% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.59% p.a.
Comparison Rate
4.03% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.64% p.a.
Comparison Rate
4.08% p.a.
Service fee
$395.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.69% p.a.
Comparison Rate
4.13% p.a.
Service fee
$395.00 yearly
Upfront fee
$0

Mozo editorial review St.George Fixed Home Loan (Advantage Package) - last updated: 24 August 2021

binocular icon
What's hot
  • 1.84% fixed year rate (3.37% comparison rate*) for 2 years, LVRs below 80%
  • Refinance cashback offer available
  • Partial offset account, extra repayments and redraw facility
  • 2021 Mozo Experts Choice Award
What's not
  • $395 annual service fee
Mozo snapshot

If you prefer to bank with a well known institution but don’t want to sacrifice getting a great rate, look no further than the 2021 Mozo Experts Choice Award winning St.George Fixed Home Loan (Advantage Package). With fixed rates as low as 1.84% (3.37% comparison rate*), no upfront fees to worry about and flexible repayment features, such as a partial offset account and extra repayments, this is a loan that seriously delivers in value.

key icon
Key features

With rates for every type of borrower and a host of flexible features, the St.George Fixed Home Loan (Advantage Package) is a loan worth considering. With the Fixed Home Loan (Advantage Package), the rate you receive will depend on the size of your deposit, with rates going as low as 1.84% (3.37% comparison rate*) for for owner occupiers making principal and interest repayments.

Interest-only options are also available with the St.George Fixed Home Loan (Advantage Package). 

No matter what rate you get, you won’t pay any upfront fees and you will be able to make free extra repayments of up to $30,000 a year. And if you ever need to dip back into those repayments, you’ll be able to at no extra cost, thanks to the free redraw facility. 

There’s also a partial offset account up for grabs and you’ll have your choice of repayment schedule of either weekly, fortnightly or monthly. 

We’ve saved the best till last though, as refinancers have the chance to score $2,000 cashback if they refinance a property with a St.George Basic Home Loan, plus an extra $2,000 for investors as well as owner occupiers with P & I loans under 80% LVR. That's not all either, because you can even earn another $2,000 if you refinance an additional property under the Advantage package (minimum loan size $250,000).

Just bear in mind that owner occupied interest-only loans aren't eligible for any of this cashback.

And before you sign the dotted line, remember that this loan comes with a $395 annual fee, $350 discharge fee and $100 settlement fee. 

snapshot
Who is it good for

The St.George Fixed Home Loan (Advantage Package) could be a great choice for borrowers in the market for a packaged loan, that comes with a range of features and a solid interest rate. This loan could also suit refinancers looking to earn a little more bang for their buck when they switch. 

question icon
Any catches

While borrowers can save on the lack of upfront fee and low fixed rates, they will need to budget for the $395 annual fee.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

1.99% (3.46%*)

1.79% (3.33%*)

1.98% (3.27%*)

2.49% (3.34%*)

2.79% (3.42%*)

n/a

n/a

3.14% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.04% (3.50%*)

1.84% (3.38%*)

2.03% (3.32%*)

2.54% (3.39%*)

2.84% (3.46%*)

n/a

n/a

3.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.09% (3.55%*)

1.89% (3.42%*)

2.08% (3.37%*)

2.59% (3.44%*)

2.89% (3.51%*)

n/a

n/a

3.24% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

80.00%

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.59% (4.12%*)

3.59% (4.10%*)

3.59% (4.10%*)

4.04% (4.23%*)

4.04% (4.25%*)

n/a

n/a

3.73% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

none

60.00%

Features

Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

3.64% (4.17%*)

3.64% (4.15%*)

3.64% (4.15%*)

4.09% (4.28%*)

4.09% (4.30%*)

n/a

n/a

3.78% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

60.00%

80.00%

Features

Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.49% (3.99%*)

2.19% (3.84%*)

2.39% (3.78%*)

2.99% (3.87%*)

2.99% (3.82%*)

n/a

n/a

3.70% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.54% (4.04%*)

2.24% (3.88%*)

2.44% (3.82%*)

3.04% (3.91%*)

3.04% (3.87%*)

n/a

n/a

3.75% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.59% (4.09%*)

2.29% (3.93%*)

2.49% (3.87%*)

3.09% (3.96%*)

3.09% (3.91%*)

n/a

n/a

3.80% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.69% (4.26%*)

2.39% (4.10%*)

2.59% (4.03%*)

3.19% (4.12%*)

3.19% (4.06%*)

n/a

n/a

3.99% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

none

60.00%

Features

Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.74% (4.31%*)

2.44% (4.15%*)

2.64% (4.08%*)

3.24% (4.17%*)

3.24% (4.11%*)

n/a

n/a

4.04% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

60.00%

80.00%

Features

Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 16 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

2.79% (4.36%*)

2.49% (4.20%*)

2.69% (4.13%*)

3.29% (4.21%*)

3.29% (4.16%*)

n/a

n/a

4.09% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$395.00 yearly

$0.00

Other financial bits

$150,000

none

80.00%

90.00%

Features

Monthly

yes - free up to $30,000

yes

yes - free

$0.00

yes

yes - partial only

none

none

Receive $3,000 cashback when you refinance a property with a minimum loan size of $250,000 and LVR less than or equal to 90% (excludes refinances from Westpac Group).

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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About St.George

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.