The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $30,000 and $2,000,000 with an LVR below 60%
The details shown below are for an investor taking out a interest only loan between $30,000 and $2,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $30,000 and $2,000,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $30,000 and $2,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $30,000 and $2,000,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $30,000 and $2,000,000 with an LVR below 80%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 60% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 60%-80% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 80%-95% | $150,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 60% | $150,000 | $2,000,000 |
| | Owner Occupier | Interest Only | 60%-80% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | < 60% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | 60%-80% | $150,000 | $2,000,000 |
| | Investor | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
| | Investor | Interest Only | < 60% | $30,000 | $2,000,000 |
| | Investor | Interest Only | 60%-80% | $30,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | < 95% | $30,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 80% | $30,000 | $2,000,000 |
| | Investor | Principal & Interest | < 90% | $30,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $30,000 | $2,000,000 |
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $150,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $150,000 $2,000,000
Owner Occupier (Interest Only)
LVR < 60%
Loan: $150,000 $2,000,000
Owner Occupier (Interest Only)
LVR 60%-80%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR < 60%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR 60%-80%
Loan: $150,000 $2,000,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $2,000,000
Investor (Interest Only)
LVR < 60%
Loan: $30,000 $2,000,000
Investor (Interest Only)
LVR 60%-80%
Loan: $30,000 $2,000,000
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $30,000 $2,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $30,000 $2,000,000
Investor (Principal & Interest)
LVR < 90%
Loan: $30,000 $2,000,000
Investor (Interest Only)
LVR < 80%
Loan: $30,000 $2,000,000
2.59% p.a.
n/a
n/a
n/a
2.61% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
none
60.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
2.64% p.a.
n/a
n/a
n/a
2.66% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
60.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
2.69% p.a.
n/a
n/a
n/a
2.71% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
80.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.94% p.a.
n/a
n/a
n/a
3.99% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
none
60.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
none
3.99% p.a.
n/a
n/a
n/a
4.04% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
60.00%
80.00%
Owner Occupier
Interest Only
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
none
3.04% p.a.
n/a
n/a
n/a
3.06% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
none
60.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.09% p.a.
n/a
n/a
n/a
3.11% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
60.00%
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.14% p.a.
n/a
n/a
n/a
3.16% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$150,000
$2,000,000
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.24% p.a.
n/a
n/a
n/a
3.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
none
60.00%
Investor
Interest Only
Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.29% p.a.
n/a
n/a
n/a
3.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
60.00%
80.00%
Investor
Interest Only
Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
2.79% p.a.
n/a
n/a
n/a
2.84% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
4.57% p.a.
n/a
n/a
n/a
4.62% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
none
80.00%
Owner Occupier
Interest Only
Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.34% p.a.
n/a
n/a
n/a
3.39% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
none
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
3.64% p.a.
n/a
n/a
n/a
3.69% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$500.00
$0.00
$0.00
$100.00
n/a
$0.00
$350.00
$30,000
$2,000,000
none
80.00%
Investor
Interest Only
Monthly
Yes - free
yes
yes - free
$0.00
yes
no
none
none
Receive $2,000 cashback per property when you refinance a property with a minimum loan size of $250,000 (excludes refinances from Westpac Group). Loans with an LVR <80% can receive an additional $2,000 cash back.
I've paid off two home loans with St George and I've got 4 years to go on a third home loan and have no complaints with them.
Read full reviewI've paid off two home loans with St George and I've got 4 years to go on a third home loan and have no complaints with them.
As first time home owners who didn’t know a lot about the home buying/loan process we went through a mortgage broker, who organised this loan for us. It was all very easy and seamless. The loan itself is exactly what the name says: basic. No monthly fees and low rates, with no bells and whistles. Apparently you can make extra repayments and there’s a redraw facility but we haven’t been told how to do it - we’ll have to look into it. We contacted them recently with a question and it took 2 days for them to return our call. I assume this is due to COVID but that wasn’t great.
Read full reviewAs first time home owners who didn’t know a lot about the home buying/loan process we went through a mortgage broker, who organised this loan for us. It was all very easy and seamless. The loan itself is exactly what the name says: basic. No monthly fees and low rates, with no bells and whistles. Apparently you can make extra repayments and there’s a redraw facility but we haven’t been told how to do it - we’ll have to look into it. We contacted them recently with a question and it took 2 days for them to return our call. I assume this is due to COVID but that wasn’t great.
After not missing a payment for over 20 years, we fell onto hard times and asked for assistance and were directed to the hoop jumping arena. In the end we were advised to sell and walk. We got back into money with seconds to spare and saved our own house by ourselves. The ladies and gentlemen who can't make decisions were very helpful. Banks policies need to change.
Read full reviewAfter not missing a payment for over 20 years, we fell onto hard times and asked for assistance and were directed to the hoop jumping arena. In the end we were advised to sell and walk. We got back into money with seconds to spare and saved our own house by ourselves. The ladies and gentlemen who can't make decisions were very helpful. Banks policies need to change.
I had never asked for a rate drop in all the years that I have had the loans, and when I did ask I was disappointed with what they offered me (never been behind in payments, I am actually ahead). I think recently with Covid 19, other banks have dropped it quite low to be in the 2% range whereas St.George have not. Once this Covid 19 is over I will most probably re-mortgage. I do commend them on their customer service people ringing and asking if they could offer anything better to review everything and change it for the better, good initiative. I did express what I wanted but I feel other banks are giving better deals hence the re-mortgaging once Covid 19 is over.
Read full reviewI had never asked for a rate drop in all the years that I have had the loans, and when I did ask I was disappointed with what they offered me (never been behind in payments, I am actually ahead). I think recently with Covid 19, other banks have dropped it quite low to be in the 2% range whereas St.George have not. Once this Covid 19 is over I will most probably re-mortgage. I do commend them on their customer service people ringing and asking if they could offer anything better to review everything and change it for the better, good initiative. I did express what I wanted but I feel other banks are giving better deals hence the re-mortgaging once Covid 19 is over.
I recently consolidated my owner occ and investment home loans to St George. The whole process was very seamless. The staff from St George was awesome to deal with and was there to provide 10/10 service throughout. They were able to answer all my numerous questions and often provided valuable advice than I used to get from mortgage broker. The whole process was hassle free. I had previously been to Athena and was frustrated before I went with St George.
Read full reviewI recently consolidated my owner occ and investment home loans to St George. The whole process was very seamless. The staff from St George was awesome to deal with and was there to provide 10/10 service throughout. They were able to answer all my numerous questions and often provided valuable advice than I used to get from mortgage broker. The whole process was hassle free. I had previously been to Athena and was frustrated before I went with St George.
St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.
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