based on 9485 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 2022 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 19 May 2022. 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

5.04% p.a.

5.23% p.a.

$8.00 monthly

$700

4.99% p.a.

5.18% p.a.

$8.00 monthly

$700

4.44% p.a.

4.64% p.a.

$8.00 monthly

$700

4.49% p.a.

4.69% p.a.

$8.00 monthly

$700

4.39% p.a.

4.59% p.a.

$8.00 monthly

$700

4.94% p.a.

5.39% p.a.

$8.00 monthly

$700

4.99% p.a.

5.44% p.a.

$8.00 monthly

$700

4.89% p.a.

5.34% p.a.

$8.00 monthly

$700

4.64% p.a.

5.10% p.a.

$8.00 monthly

$700

4.69% p.a.

5.15% p.a.

$8.00 monthly

$700

4.59% p.a.

5.05% p.a.

$8.00 monthly

$700

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

3.44% p.a.

3.49% p.a.

$0.00

$600

2.49% p.a.

2.54% p.a.

$0.00

$600

3.39% p.a.

3.44% p.a.

$0.00

$600

3.34% p.a.

3.39% p.a.

$0.00

$600

2.34% p.a.

2.36% p.a.

$0.00

$100

2.39% p.a.

2.41% p.a.

$0.00

$100

2.29% p.a.

2.31% p.a.

$0.00

$100

5.35% p.a.

5.49% p.a.

$8.00 monthly

$700

5.30% p.a.

5.44% p.a.

$8.00 monthly

$700

4.76% p.a.

4.91% p.a.

$8.00 monthly

$700

4.81% p.a.

4.96% p.a.

$8.00 monthly

$700

4.71% p.a.

4.86% p.a.

$8.00 monthly

$700

2.99% p.a.

3.04% p.a.

$0.00

$600

2.79% p.a.

2.84% p.a.

$0.00

$600

2.94% p.a.

2.99% p.a.

$0.00

$600

2.89% p.a.

2.94% p.a.

$0.00

$600

2.74% p.a.

2.76% p.a.

$0.00

$100

2.79% p.a.

2.81% p.a.

$0.00

$100

2.69% p.a.

2.71% p.a.

$0.00

$100

5.61% p.a.

5.75% p.a.

$8.00 monthly

$700

5.56% p.a.

5.70% p.a.

$8.00 monthly

$700

5.32% p.a.

5.46% p.a.

$8.00 monthly

$700

5.37% p.a.

5.51% p.a.

$8.00 monthly

$700

5.27% p.a.

5.41% p.a.

$8.00 monthly

$700

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

4.89% p.a.

4.66% p.a.

$395.00 yearly

$100

4.84% p.a.

4.61% p.a.

$395.00 yearly

$100

4.29% p.a.

4.08% p.a.

$395.00 yearly

$100

4.34% p.a.

4.13% p.a.

$395.00 yearly

$100

4.24% p.a.

4.03% p.a.

$395.00 yearly

$100

4.79% p.a.

4.82% p.a.

$395.00 yearly

$100

4.84% p.a.

4.87% p.a.

$395.00 yearly

$100

4.74% p.a.

4.77% p.a.

$395.00 yearly

$100

4.49% p.a.

4.54% p.a.

$395.00 yearly

$100

4.54% p.a.

4.58% p.a.

$395.00 yearly

$100

4.44% p.a.

4.49% p.a.

$395.00 yearly

$100

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

4.03% p.a.

4.44% p.a.

$395.00 yearly

$100

3.98% p.a.

4.39% p.a.

$395.00 yearly

$100

3.44% p.a.

3.86% p.a.

$395.00 yearly

$100

3.49% p.a.

3.91% p.a.

$395.00 yearly

$100

3.39% p.a.

3.81% p.a.

$395.00 yearly

$100

4.29% p.a.

4.69% p.a.

$395.00 yearly

$100

4.24% p.a.

4.64% p.a.

$395.00 yearly

$100

4.00% p.a.

4.41% p.a.

$395.00 yearly

$100

4.05% p.a.

4.46% p.a.

$395.00 yearly

$100

3.95% p.a.

4.36% p.a.

$395.00 yearly

$100

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

1531 Reviews

Recent St.George home loan reviews

St.George Variable Home Loan (Advantage Package)
Overall 1/10
treat customers unfairly and indifferently

1. Treat new and existing customers unfairly. 2. The interest rates that offering to the existing customers with long-term relationship, excellent repayment records, low LVR is 0.50%p.a. higher than other participants in the market. 3. The customer retention hotline provides poor service.

Read full review

1. Treat new and existing customers unfairly. 2. The interest rates that offering to the existing customers with long-term relationship, excellent repayment records, low LVR is 0.50%p.a. higher than other participants in the market. 3. The customer retention hotline provides poor service.

Price
1/10
Customer service
1/10
Trust
1/10
Less
Wendy, New South Wales, reviewed 4 months ago
St.George Fixed Home Loan (Advantage Package)
Overall 10/10
Awesome refinance experience

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 review

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.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Mario, New South Wales, reviewed 6 months ago
St.George Home Loan
Overall 3/10
Bank elsewhere....anywhere -save yourself the pain

Had been with the CBA for over 2 decades and was advised by my broker that St George was a good alternative to refinance my home loan after a separation....BIG MISTAKE. Very slow response and only after multiple reminders, loan staff don't know whether they are coming or going, asking for resubmission of the same documents or asking for originals of documents they are not entitled to, after mucking around for over 6 weeks I get my offer. I quickly signed and sent it back, they sit on it for 2 weeks , ask for some more documents that they didn't need, than said they had lost all my signed paperwork, got hit with a rate rise on top of that because I didn't pay extra to lock my rates in ( How was I sup[posed to know they would take 1/4 of a year to process stuff that takes 10 days to 2 weeks with other banks like ING, NAB and CBA. I redo the paperwork, they sit on it for another 3 weeks plus, muck it around ask for more paperwork, then finally agree to set up a date and inform I have been hit with another rate increase. I told them I will bear the first one as they were offering 4k to switch and that money would offset most of the increase, but now they have dropped it to 3k and a second hit purely due their ineptness and poorly trained staff who don't know how to process applications... Their response -"With no rate lock in place this will not be honoured i'm sorry, Thanks" Go with any other bank, even the online one and you will do better, avoid at all costs, if this is their service for a new customer , my sympathies to those trapped in a long term contract with them. P.S - this is probably my 07th or 08th loan / refinance in the past 12 years with different banks, and I am quite familiar with what it normally entails...these guys are a disaster best avoided...

Read full review

Had been with the CBA for over 2 decades and was advised by my broker that St George was a good alternative to refinance my home loan after a separation....BIG MISTAKE. Very slow response and only after multiple reminders, loan staff don't know whether they are coming or going, asking for resubmission of the same documents or asking for originals of documents they are not entitled to, after mucking around for over 6 weeks I get my offer. I quickly signed and sent it back, they sit on it for 2 weeks , ask for some more documents that they didn't need, than said they had lost all my signed paperwork, got hit with a rate rise on top of that because I didn't pay extra to lock my rates in ( How was I sup[posed to know they would take 1/4 of a year to process stuff that takes 10 days to 2 weeks with other banks like ING, NAB and CBA. I redo the paperwork, they sit on it for another 3 weeks plus, muck it around ask for more paperwork, then finally agree to set up a date and inform I have been hit with another rate increase. I told them I will bear the first one as they were offering 4k to switch and that money would offset most of the increase, but now they have dropped it to 3k and a second hit purely due their ineptness and poorly trained staff who don't know how to process applications... Their response -"With no rate lock in place this will not be honoured i'm sorry, Thanks" Go with any other bank, even the online one and you will do better, avoid at all costs, if this is their service for a new customer , my sympathies to those trapped in a long term contract with them. P.S - this is probably my 07th or 08th loan / refinance in the past 12 years with different banks, and I am quite familiar with what it normally entails...these guys are a disaster best avoided...

Price
1/10
Features
5/10
Customer service
1/10
Convenience
5/10
Trust
1/10
Less
Vin, Queensland, reviewed 6 months ago
St.George Home Loan
Overall 1/10
Not recommended.

Horrible services. Not recommend.

Read full review

Horrible services. Not recommend.

Price
2/10
Features
1/10
Customer service
1/10
Convenience
1/10
Less
A, New South Wales, reviewed 5 months ago
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 9 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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