Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 70% | $150,000 | |
|
Owner Occupier | Principal & Interest | 70%-80% | $150,000 | |
|
Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
|
Owner Occupier | Interest Only | < 70% | $150,000 | |
|
Owner Occupier | Interest Only | 70%-80% | $150,000 | |
|
Investor | Principal & Interest | < 70% | $150,000 | |
|
Investor | Principal & Interest | 80%-95% | $150,000 | |
|
Investor | Principal & Interest | 70%-80% | $150,000 | |
|
Investor | Interest Only | 70%-80% | $150,000 | |
|
Investor | Interest Only | < 70% | $150,000 | |
|
Investor | Interest Only | 80%-90% | $150,000 |
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 St.George Fixed Home Loan (Advantage Package). With fixed rates starting at 6.49% (7.54% 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.
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 starting at 6.49% (7.54% comparison rate*) for for owner occupiers making principal and interest repayments. Interest-only options are also available.
There are different rates depending on the LVR tier you're on. The tiers are:
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.
And before you sign the dotted line, just remember that this loan does come with a $395 loan account fee (charged annually), $350 loan discharge fee and $100 settlement fee.
There is also currently a $2,000 refinance cashback offer up for grabs for customers with a minimum loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group) who apply by 30 November 2023.
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.
While borrowers can save on the lack of upfront fee and competitve fixed rates, they will need to budget for the $395 loan account fee (charged annually).
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.59% (7.65%*) |
|
6.49% (7.55%*) |
|
6.59% (7.50%*) |
|
6.59% (7.44%*) |
|
6.69% (7.42%*) |
|
n/a |
|
n/a |
|
7.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.69% (7.75%*) |
|
6.59% (7.65%*) |
|
6.69% (7.60%*) |
|
6.69% (7.54%*) |
|
6.79% (7.52%*) |
|
n/a |
|
n/a |
|
7.49% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (8.04%*) |
|
6.89% (7.94%*) |
|
6.99% (7.89%*) |
|
6.99% (7.83%*) |
|
7.09% (7.81%*) |
|
n/a |
|
n/a |
|
7.79% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
80.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.89% (8.20%*) |
|
6.79% (8.07%*) |
|
6.89% (7.99%*) |
|
6.89% (7.90%*) |
|
6.99% (7.87%*) |
|
n/a |
|
n/a |
|
7.98% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
none |
|
70.00% |
Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.99% (8.30%*) |
|
6.89% (8.17%*) |
|
6.99% (8.09%*) |
|
6.99% (8.00%*) |
|
7.09% (7.97%*) |
|
n/a |
|
n/a |
|
8.08% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
70.00% |
|
80.00% |
Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.69% (8.15%*) |
|
6.49% (7.98%*) |
|
6.69% (7.91%*) |
|
6.69% (7.81%*) |
|
6.79% (7.76%*) |
|
n/a |
|
n/a |
|
7.95% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.09% (8.54%*) |
|
6.89% (8.37%*) |
|
7.09% (8.30%*) |
|
7.09% (8.20%*) |
|
7.19% (8.15%*) |
|
n/a |
|
n/a |
|
8.35% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
80.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.79% (8.25%*) |
|
6.59% (8.08%*) |
|
6.79% (8.01%*) |
|
6.79% (7.91%*) |
|
6.89% (7.86%*) |
|
n/a |
|
n/a |
|
8.05% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.89% (8.51%*) |
|
6.64% (8.31%*) |
|
6.89% (8.24%*) |
|
6.89% (8.12%*) |
|
6.99% (8.06%*) |
|
n/a |
|
n/a |
|
8.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
70.00% |
|
80.00% |
Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.79% (8.42%*) |
|
6.54% (8.22%*) |
|
6.79% (8.14%*) |
|
6.79% (8.02%*) |
|
6.89% (7.96%*) |
|
n/a |
|
n/a |
|
8.24% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
none |
|
70.00% |
Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.19% (8.81%*) |
|
6.94% (8.61%*) |
|
7.19% (8.53%*) |
|
7.19% (8.41%*) |
|
7.29% (8.35%*) |
|
n/a |
|
n/a |
|
8.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$100.00 |
|
n/a |
|
$395.00 yearly |
|
$350.00 |
$150,000 |
|
none |
|
80.00% |
|
90.00% |
Monthly |
|
yes - free up to $30,000 during the fixed rate term |
|
yes |
|
yes - free |
|
$0.00 |
|
yes |
|
yes - partial only |
|
none |
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
Receive $2,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 30 November 2023 and settle in 120 days. |
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.
We started our home loan with St George (because we could use a guarantor), we then refinanced with someone else but have come back now to St George We received a $4,000 cash back offer and the fixed rate was very reasonable at the time Not looking forward to when this goes back to variable next year! Overall very happy with St George
Read full reviewWe started our home loan with St George (because we could use a guarantor), we then refinanced with someone else but have come back now to St George We received a $4,000 cash back offer and the fixed rate was very reasonable at the time Not looking forward to when this goes back to variable next year! Overall very happy with St George
Communication has been excellent from St George, they. Made it easy to fix our rate over the phone with no fuss and offered a competitive rate. Unfortunately our closest branch shut and there have been occasions where the next nearest branch was shut when we needed to go in.
Read full reviewCommunication has been excellent from St George, they. Made it easy to fix our rate over the phone with no fuss and offered a competitive rate. Unfortunately our closest branch shut and there have been occasions where the next nearest branch was shut when we needed to go in.
Went above and beyond when no one else would give me a home loan st. George did!!! I'm so happy with this bank and won't go anywhere else 10/10 points from me
Read full reviewWent above and beyond when no one else would give me a home loan st. George did!!! I'm so happy with this bank and won't go anywhere else 10/10 points from me
Just fixed for 2 years on a deal of a lifetime. The process to refinance was so easy and quick. All my questions were answered, the staff are friendly at both the call centres and the branch and they really know their stuff.
Read full reviewJust fixed for 2 years on a deal of a lifetime. The process to refinance was so easy and quick. All my questions were answered, the staff are friendly at both the call centres and the branch and they really know their stuff.
It’s a shame they have closed the branches but so many banks have as well.
Read full reviewIt’s a shame they have closed the branches but so many banks have as well.
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.