7.4 / 10

based on 9412 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 2020 Mozo Experts Choice 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 22 January, 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

$700

3.74% p.a.

4.87% p.a.

$10.00 monthly

$700

2.19% p.a.

4.08% p.a.

$10.00 monthly

$700

2.24% p.a.

4.13% p.a.

$10.00 monthly

$700

2.14% p.a.

4.03% p.a.

$10.00 monthly

$700

2.79% p.a.

4.84% p.a.

$10.00 monthly

$700

2.84% p.a.

4.89% p.a.

$10.00 monthly

$700

2.74% p.a.

4.79% p.a.

$10.00 monthly

$700

2.59% p.a.

4.58% p.a.

$10.00 monthly

$700

2.64% p.a.

4.63% p.a.

$10.00 monthly

$700

2.54% p.a.

4.53% p.a.

$10.00 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 ‡

3.19% p.a.

3.24% p.a.

$0.00

$600

2.79% p.a.

2.84% p.a.

$0.00

$600

3.14% p.a.

3.19% p.a.

$0.00

$600

3.09% p.a.

3.14% p.a.

$0.00

$600

2.54% p.a.

2.56% p.a.

$0.00

$100

2.59% p.a.

2.61% p.a.

$0.00

$100

2.49% p.a.

2.51% p.a.

$0.00

$100

5.10% p.a.

5.27% p.a.

$10.00 monthly

$700

5.05% p.a.

5.22% p.a.

$10.00 monthly

$700

4.51% p.a.

4.68% p.a.

$10.00 monthly

$700

4.56% p.a.

4.73% p.a.

$10.00 monthly

$700

4.46% p.a.

4.63% p.a.

$10.00 monthly

$700

3.64% p.a.

3.69% p.a.

$0.00

$600

3.34% p.a.

3.39% p.a.

$0.00

$600

3.19% p.a.

3.24% p.a.

$0.00

$600

3.14% p.a.

3.19% p.a.

$0.00

$600

2.99% p.a.

3.01% p.a.

$0.00

$100

3.04% p.a.

3.06% p.a.

$0.00

$100

2.94% p.a.

2.96% p.a.

$0.00

$100

5.36% p.a.

5.53% p.a.

$10.00 monthly

$700

5.31% p.a.

5.48% p.a.

$10.00 monthly

$700

5.07% p.a.

5.24% p.a.

$10.00 monthly

$700

5.12% p.a.

5.29% p.a.

$10.00 monthly

$700

5.02% p.a.

5.19% p.a.

$10.00 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 ‡

3.64% p.a.

4.16% p.a.

$395.00 yearly

$100

3.59% p.a.

4.11% p.a.

$395.00 yearly

$100

2.04% p.a.

3.33% p.a.

$395.00 yearly

$100

2.09% p.a.

3.37% p.a.

$395.00 yearly

$100

1.99% p.a.

3.28% p.a.

$395.00 yearly

$100

2.64% p.a.

4.09% p.a.

$395.00 yearly

$100

2.69% p.a.

4.15% p.a.

$395.00 yearly

$100

2.59% p.a.

4.04% p.a.

$395.00 yearly

$100

2.44% p.a.

3.83% p.a.

$395.00 yearly

$100

2.49% p.a.

3.88% p.a.

$395.00 yearly

$100

2.39% p.a.

3.78% 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 ‡

3.78% p.a.

4.19% p.a.

$395.00 yearly

$100

3.73% p.a.

4.14% p.a.

$395.00 yearly

$100

3.19% p.a.

3.62% p.a.

$395.00 yearly

$100

3.24% p.a.

3.67% p.a.

$395.00 yearly

$100

3.14% p.a.

3.57% p.a.

$395.00 yearly

$100

4.04% p.a.

4.45% p.a.

$395.00 yearly

$100

3.99% p.a.

4.40% p.a.

$395.00 yearly

$100

3.75% p.a.

4.16% p.a.

$395.00 yearly

$100

3.80% p.a.

4.21% p.a.

$395.00 yearly

$100

3.70% p.a.

4.11% p.a.

$395.00 yearly

$100

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

$800

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.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

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
7.0/10
Price
Features
Customer service
Convenience
Trust

1517 Reviews

Recent St.George home loan reviews

St.George Basic Home Loan review
Overall 1/10
General Manager's ambition exceeds ability

The arrogance and contempt of the team at St George is bewildering and incredibly disappointing - the GM makes creative writing look like a breeze when he describes on his profile page what StGeorge stand for, it really is a great example of ambition exceeding actual ability, an example of tainted and inflated views of frontline experiences! Absolute disgrace. The incompetencies and emotional ineptness of staff resulted in a bungled settlement meaning our 38 week pregnant daughter (who cares for rescue animals) was reduced to camping in a tent and continues to do so. Thanks St George you not only have created enormous stress and emotional damage - but you have also put the health of family including our unborn grand child at risk. Trust team at St George sleep well, because that is certainly something we are unable to achieve. Shame.

Read full review

The arrogance and contempt of the team at St George is bewildering and incredibly disappointing - the GM makes creative writing look like a breeze when he describes on his profile page what StGeorge stand for, it really is a great example of ambition exceeding actual ability, an example of tainted and inflated views of frontline experiences! Absolute disgrace. The incompetencies and emotional ineptness of staff resulted in a bungled settlement meaning our 38 week pregnant daughter (who cares for rescue animals) was reduced to camping in a tent and continues to do so. Thanks St George you not only have created enormous stress and emotional damage - but you have also put the health of family including our unborn grand child at risk. Trust team at St George sleep well, because that is certainly something we are unable to achieve. Shame.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Glenn, Victoria, reviewed 1 day ago
St.George Fixed Home Loan (Advantage Package) review
Overall 8/10
Very good.

It’s a shame they have closed the branches but so many banks have as well.

Read full review

It’s a shame they have closed the branches but so many banks have as well.

Price
7/10
Features
6/10
Customer service
9/10
Convenience
5/10
Trust
6/10
Less
Anneke, Western Australia, reviewed 8 days ago
St.George Home Loan review
Overall 9/10
Excellent service.

I have banked with St George all my life. I have always found them reliable and helped me whenever I needed. I cannot fault them.

Read full review

I have banked with St George all my life. I have always found them reliable and helped me whenever I needed. I cannot fault them.

Price
7/10
Features
7/10
Customer service
10/10
Convenience
10/10
Trust
9/10
Less
Kim, New South Wales, reviewed 8 days ago
St.George Home Loan review
Overall 8/10
Great refinance option, low interest rate.

We took up a refinance option and transferred our loan from another bank. We received an excellent interest rate and cash back. Very happy with application process and online account.

Read full review

We took up a refinance option and transferred our loan from another bank. We received an excellent interest rate and cash back. Very happy with application process and online account.

Price
10/10
Customer service
8/10
Convenience
8/10
Trust
8/10
Less
Gabrielle, Queensland, reviewed 8 days ago
St.George Basic Home Loan review
Overall 8/10
Great customer service.

I received excellent service all over the phone when setting up a new basic home loan.

Read full review

I received excellent service all over the phone when setting up a new basic home loan.

Price
7/10
Features
7/10
Customer service
10/10
Convenience
10/10
Less
Carolyn, New South Wales, reviewed 9 days 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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