based on 9474 St.George banking product reviews as rated by Mozo community

St.George home loans

One of Australia’s largest banks, St.George has been providing financial services to Australian customers and businesses since 1937. In 2008, St.George became part of the Westpac Group.

A 2021 Mozo Experts Choice Home Loan Award winner, St.George offers a variety of different home loans including variable and fixed rate loans to package and line of credit offers - all of which you'll be able to view in more detail below. 

What home loans do St.George offer?

Rates and fees verified as correct at 21 October, 2021. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

When it comes to fixed rate home loans, St.George has a Fixed Home Loan product which is available for lending starting from $10,000 in a number of variations based on borrower type (owner occupier or investor), loan type (principal and interest or interest-only repayments) and the loan-to-value ratio (between 60-95%). 

Borrowers can lock in a fixed rate for a 1 - 5 year period and there is an additional rate lock feature which allows you to secure the advertised interest rate for up to 3 months before the settlement date of your loan (fees apply). There is plenty of flexibility in terms of repayment options including the ability to make extra repayments (up to $30,000 without charge), a redraw facility (fees apply) and even a partial offset account. There is a monthly service fee to consider though, as well as a number of one-off fees.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

3.79% p.a.

4.92% p.a.

$10.00 monthly

$600

3.74% p.a.

4.87% p.a.

$10.00 monthly

$600

2.18% p.a.

4.08% p.a.

$10.00 monthly

$600

2.23% p.a.

4.12% p.a.

$10.00 monthly

$600

2.13% p.a.

4.03% p.a.

$10.00 monthly

$600

2.79% p.a.

4.84% p.a.

$10.00 monthly

$600

2.84% p.a.

4.89% p.a.

$10.00 monthly

$600

2.74% p.a.

4.79% p.a.

$10.00 monthly

$600

2.59% p.a.

4.58% p.a.

$10.00 monthly

$600

2.64% p.a.

4.63% p.a.

$10.00 monthly

$600

2.54% p.a.

4.53% p.a.

$10.00 monthly

$600

Variable Rate Home Loans

Owner occupiers and investors are given the choice between two variable rate options with St.George: the Basic Home Loan with borrowing from $30,000 and the Standard Variable Home Loan which is available on loans starting from $10,000. Both loans give mortgage holders control over their home loans with flexible features such as extra repayments, redraws (fees may apply) and repayment holidays, but only the Standard Variable Home Loan comes with an offset account attached. On the flip side, Basic Home Loan customers won't be charged an ongoing service fee, though both loans comes with a few upfront fees. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

3.19% p.a.

3.22% p.a.

$0.00

$500

2.79% p.a.

2.82% p.a.

$0.00

$500

3.14% p.a.

3.17% p.a.

$0.00

$500

3.09% p.a.

3.12% p.a.

$0.00

$500

2.29% p.a.

2.29% p.a.

$0.00

$0

2.34% p.a.

2.34% p.a.

$0.00

$0

2.24% p.a.

2.24% p.a.

$0.00

$0

5.10% p.a.

5.25% p.a.

$10.00 monthly

$600

5.05% p.a.

5.20% p.a.

$10.00 monthly

$600

4.51% p.a.

4.67% p.a.

$10.00 monthly

$600

4.56% p.a.

4.72% p.a.

$10.00 monthly

$600

4.46% p.a.

4.62% p.a.

$10.00 monthly

$600

3.64% p.a.

3.67% p.a.

$0.00

$500

3.34% p.a.

3.37% p.a.

$0.00

$500

2.79% p.a.

2.82% p.a.

$0.00

$500

2.74% p.a.

2.77% p.a.

$0.00

$500

2.59% p.a.

2.59% p.a.

$0.00

$0

2.64% p.a.

2.64% p.a.

$0.00

$0

2.54% p.a.

2.54% p.a.

$0.00

$0

5.36% p.a.

5.51% p.a.

$10.00 monthly

$600

5.31% p.a.

5.46% p.a.

$10.00 monthly

$600

5.07% p.a.

5.22% p.a.

$10.00 monthly

$600

5.12% p.a.

5.27% p.a.

$10.00 monthly

$600

5.02% p.a.

5.17% p.a.

$10.00 monthly

$600

Fixed Package Home Loan

The Fixed Home Loan (Advantage Package) from St. George is available with home loans starting from $150,000. Whether you’re an owner occupier or investor, you’ll be able to make full use of the flexible repayment options that come with the package including extra repayments (free up to $30,000), a redraw facility and repayment holidays when you’re ahead on your payments. There is also a partial offset account to help reduce your interest payments over the term of the loan. In return for an annual fee, you’ll be able to enjoy exclusive package offers such as various interest rate discounts and waived fees on your home loan, credit card and transaction account.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

3.64% p.a.

4.15% p.a.

$395.00 yearly

$0

3.59% p.a.

4.10% p.a.

$395.00 yearly

$0

2.03% p.a.

3.32% p.a.

$395.00 yearly

$0

2.08% p.a.

3.37% p.a.

$395.00 yearly

$0

1.98% p.a.

3.27% p.a.

$395.00 yearly

$0

2.64% p.a.

4.08% p.a.

$395.00 yearly

$0

2.69% p.a.

4.13% p.a.

$395.00 yearly

$0

2.59% p.a.

4.03% p.a.

$395.00 yearly

$0

2.44% p.a.

3.82% p.a.

$395.00 yearly

$0

2.49% p.a.

3.87% p.a.

$395.00 yearly

$0

2.39% p.a.

3.78% p.a.

$395.00 yearly

$0

Variable Package Home Loan

St.George's Variable Home Loan (Advantage Package) is available to owner occupiers and investors on home loans starting from $150,000. You’ll get all the same great features as with the fixed rate alternative, with the added flexibility in terms of repayments. With the variable rate package, you will enjoy unlimited extra repayments (for free), redraws and the full use of an offset account to help you pay off your home loan as soon as possible. You can choose to make monthly repayments on your principal and interest amount or only on interest, and you can make these payments weekly, fortnightly or monthly.

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

3.78% p.a.

4.18% p.a.

$395.00 yearly

$0

3.73% p.a.

4.13% p.a.

$395.00 yearly

$0

3.19% p.a.

3.60% p.a.

$395.00 yearly

$0

3.24% p.a.

3.65% p.a.

$395.00 yearly

$0

3.14% p.a.

3.55% p.a.

$395.00 yearly

$0

4.04% p.a.

4.43% p.a.

$395.00 yearly

$0

3.99% p.a.

4.38% p.a.

$395.00 yearly

$0

3.75% p.a.

4.15% p.a.

$395.00 yearly

$0

3.80% p.a.

4.20% p.a.

$395.00 yearly

$0

3.70% p.a.

4.10% p.a.

$395.00 yearly

$0

Line of Credit

Building up your future wealth is easy with a flexible line of credit home loan from St.George. Available on loans starting from $10,000, St.George’s Portfolio Loan allows you to use the equity in your own home to put towards other investments such as shares and property. While you’re busy building up your future assets, you can choose to pay back the loan whenever you like (but at least monthly) and you’ll only pay interest on the outstanding balance.

Product Rate Comparison Rate Service fee Upfront fee

5.98% p.a.

n/a

$200.00 yearly

$700

St.George home loan features in a glance

Offset icon

Offset account

To help you save on interest payments over the term of your loan, St.George’s Standard Variable Home Loan and Variable Home Loan (Advantage Package) come with an offset account. Borrowers opting for a fixed rate will not miss out on this money saving feature either, because the Fixed Home Loan from St.George has a partial offset account.

Home loan icon

Family Pledge

With St.George’s Family Pledge option, your parents or other family members can use the equity in their own home to provide additional security for a portion of your loan amount. That way your loan-to-value ratio (LVR) will be reduced and you may be able to avoid paying Lender’s Mortgage Insurance.

Repayment Icon

Extra repayments

Whether you choose a fixed, variable or package home loan from St.George, you’ll be able to make extra repayments towards your loan balance whenever you like (free up to $30,000 for fixed home loans).

Image of coins

Split loan

Variable rate? Fixed rate? Can’t decide? Many of the St.George home loans have a split loan facility which means you won’t have to choose one or the other. Simply split your loan between a fixed and variable rate and take advantage of the benefits of both.

How are St.George home loans rated?

Mozo users have rated St.George home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
St.George home loans
Overall
Price
Features
Customer service
Convenience
Trust

1527 Reviews

Recent St.George home loan reviews

St.George Standard Variable Home Loan
Overall 5/10
Customer service seems to be forgotten

I find the service varies so much between each branch. Rather than go to my closet branch I drove to the next closet branch as the service at my local was so unfriendly and felt like I was treated like a dummy, this was not a one-off, they team could learn from the other staff at the branch. The branch needs a good shake up learn how to smile would be a great start.

Read full review

I find the service varies so much between each branch. Rather than go to my closet branch I drove to the next closet branch as the service at my local was so unfriendly and felt like I was treated like a dummy, this was not a one-off, they team could learn from the other staff at the branch. The branch needs a good shake up learn how to smile would be a great start.

Price
7/10
Features
6/10
Customer service
4/10
Convenience
6/10
Trust
5/10
Less
Donna, New South Wales, reviewed about 2 months ago
St.George Home Loan
Overall 1/10
Big No for Home Finance!!

Our broker suggested this bank due to its low interest rates. But, it turned out to be a biggest mistake. If a normal bank takes 2 weeks to process the document, this bank takes 2 to 3 months. No response from the branch. My wife waited for nearly 5 hours before getting a response on phone, but nothing productive. Never ever go for this bank for Home Financing.

Read full review

Our broker suggested this bank due to its low interest rates. But, it turned out to be a biggest mistake. If a normal bank takes 2 weeks to process the document, this bank takes 2 to 3 months. No response from the branch. My wife waited for nearly 5 hours before getting a response on phone, but nothing productive. Never ever go for this bank for Home Financing.

Price
8/10
Features
8/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Prashant, Queensland, reviewed 3 months ago
St.George Home Loan
Overall 3/10
St George = terrible client relationship

St. George provide competitively priced products but customer support is terrible. I recently sold my house with settlement occurring on 19 July. St George's representative collected the buyer's bank check at the settlement ceremony and released property to the buyer. It is now three days later and my internet banking account with St George is not reflecting that the mortgage has been discharged or credited my account with the balance from the sale. It took an hour on the phone to find out status of settlement. I was given some long winded answer about the delay being caused by one of the many teams in St George. I don't really care about internal operational delays at St George, there is no justification for the delay and a make good payment of interest payable for the three days should occur. On another occasion I was enquiring about a mortgage to purchase another property. St George does not allocate loan applications to a single relationship manager and as a result each time I called during the application process I had to start again with a new person. Further no ticket or reference number is generated and almost no information is retained in their CRM system. This is basic client relationship stuff! I get the sense that you have reduced your workforce and outsourced customer support to the Phillipines under cover if COVID all while collecting government support payments and cheap government funding which has assisted all banks to achieve record profits. St George's infrastructure appears outdated and your customer service model is not responsive. Like all banks St George is going to loose market share to the more agile non-bank sector. I will never deal directly with St George ever again.

Read full review

St. George provide competitively priced products but customer support is terrible. I recently sold my house with settlement occurring on 19 July. St George's representative collected the buyer's bank check at the settlement ceremony and released property to the buyer. It is now three days later and my internet banking account with St George is not reflecting that the mortgage has been discharged or credited my account with the balance from the sale. It took an hour on the phone to find out status of settlement. I was given some long winded answer about the delay being caused by one of the many teams in St George. I don't really care about internal operational delays at St George, there is no justification for the delay and a make good payment of interest payable for the three days should occur. On another occasion I was enquiring about a mortgage to purchase another property. St George does not allocate loan applications to a single relationship manager and as a result each time I called during the application process I had to start again with a new person. Further no ticket or reference number is generated and almost no information is retained in their CRM system. This is basic client relationship stuff! I get the sense that you have reduced your workforce and outsourced customer support to the Phillipines under cover if COVID all while collecting government support payments and cheap government funding which has assisted all banks to achieve record profits. St George's infrastructure appears outdated and your customer service model is not responsive. Like all banks St George is going to loose market share to the more agile non-bank sector. I will never deal directly with St George ever again.

Price
7/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
3/10
Less
James, Western Australia, reviewed 3 months ago
St.George Home Loan
Overall 1/10
Absolutely

Do not use this bank. They are useless and very unprofessional. Always on hold for hours, and most representatives have very limited English. They just don't seem to care and blame another department for every problem. Closed all accounts and will never bank with St George again.

Read full review

Do not use this bank. They are useless and very unprofessional. Always on hold for hours, and most representatives have very limited English. They just don't seem to care and blame another department for every problem. Closed all accounts and will never bank with St George again.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Laz, New South Wales, reviewed 4 months ago
St.George Home Loan
Overall 1/10
Pathetic processes, zero intelligence

They made me jumps through the hoops for over 4 months for simple refinance and increased the interest rate few days before my settlement date. Complete disregard for the customer - they should stick to approved rates - they change the rates after approvals. Frustrated and annoyed.

Read full review

They made me jumps through the hoops for over 4 months for simple refinance and increased the interest rate few days before my settlement date. Complete disregard for the customer - they should stick to approved rates - they change the rates after approvals. Frustrated and annoyed.

Price
3/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Shakeel, New South Wales, reviewed 4 months ago

What do you need to apply for a St.George home loan?

Putting in a little leg work can go a long way when it comes to applying for a home loan, so take a few minutes to find out which documents you may need to supply in order to apply for a home loan with St.George.

  • Savings account statements showing savings history
  • Income details including payslips detailing each component of income, gross and net income and your employer’s name if you’re a salaried employee. Applicants who are self-employed will need to provide copies of personal income tax returns and the most recent financial year’s assessment notice.

You may need to supply other documentation depending on your individual circumstances:

  • Letter from a Real Estate Agent indicating anticipated rental income if you’re purchasing a rental property. If you have a property already tenanted, St.George Bank will require copies of the existing Residential Tenancy Agreement and recent bank statements showing payments.
  • Letter from Centrelink displaying current entitlements and statements to verify receipt of payments
  • Records of liabilities such as credit card and personal loan statements
  • Details of any extraordinary expenses (i.e. private school fees and maintenance payments)
  • First Home Owner Grant application
  • Copy of registered Strata Plan

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