The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $150,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 60%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $150,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 60%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $150,000 with an LVR below 90%
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 | |
|
|
Owner Occupier | Principal & Interest | 60%-80% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
|
|
Owner Occupier | Interest Only | < 60% | $150,000 | |
|
|
Owner Occupier | Interest Only | 60%-80% | $150,000 | |
|
|
Investor | Principal & Interest | < 60% | $150,000 | |
|
|
Investor | Principal & Interest | 60%-80% | $150,000 | |
|
|
Investor | Principal & Interest | 80%-90% | $150,000 | |
|
|
Investor | Interest Only | < 60% | $150,000 | |
|
|
Investor | Interest Only | 60%-80% | $150,000 | |
|
|
Investor | Interest Only | 80%-90% | $150,000 |
Owner Occupier (Principal & Interest)
LVR < 60%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 60%-80%
Loan: $150,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $150,000
Owner Occupier (Interest Only)
LVR < 60%
Loan: $150,000
Owner Occupier (Interest Only)
LVR 60%-80%
Loan: $150,000
Investor (Principal & Interest)
LVR < 60%
Loan: $150,000
Investor (Principal & Interest)
LVR 60%-80%
Loan: $150,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000
Investor (Interest Only)
LVR < 60%
Loan: $150,000
Investor (Interest Only)
LVR 60%-80%
Loan: $150,000
Investor (Interest Only)
LVR 80%-90%
Loan: $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 4.59% (4.81% 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 4.59% (4.81% comparison rate*) for for owner occupiers making principal and interest repayments. Interest-only options are also available.
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.
We’ve saved the best till last though, as eligible refinancers have the chance to score $4,000 cashback if they refinance a loan of $250,000 or more (LVR less than or equal to 80%) with St. George. Applications will need to be in by 31 October 2022 and settle by 31 January 2023 though.
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.
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 |
|
|
4.59% (4.81%*) |
|
|
5.39% (4.97%*) |
|
|
5.69% (5.14%*) |
|
|
5.89% (5.31%*) |
|
|
5.99% (5.46%*) |
|
|
n/a |
|
|
n/a |
|
|
4.39% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
4.64% (4.86%*) |
|
|
5.44% (5.02%*) |
|
|
5.74% (5.19%*) |
|
|
5.94% (5.36%*) |
|
|
6.04% (5.51%*) |
|
|
n/a |
|
|
n/a |
|
|
4.44% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
4.69% (4.91%*) |
|
|
5.49% (5.07%*) |
|
|
5.79% (5.24%*) |
|
|
5.99% (5.41%*) |
|
|
6.09% (5.56%*) |
|
|
n/a |
|
|
n/a |
|
|
4.49% 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 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
5.09% (5.38%*) |
|
|
5.69% (5.50%*) |
|
|
5.99% (5.64%*) |
|
|
6.39% (5.87%*) |
|
|
6.49% (6.02%*) |
|
|
n/a |
|
|
n/a |
|
|
4.98% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
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 |
|
|
5.14% (5.43%*) |
|
|
5.74% (5.55%*) |
|
|
6.04% (5.69%*) |
|
|
6.44% (5.92%*) |
|
|
6.54% (6.07%*) |
|
|
n/a |
|
|
n/a |
|
|
5.03% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
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 |
|
|
4.79% (5.32%*) |
|
|
5.39% (5.42%*) |
|
|
5.89% (5.59%*) |
|
|
5.99% (5.70%*) |
|
|
6.09% (5.82%*) |
|
|
n/a |
|
|
n/a |
|
|
4.95% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
4.84% (5.37%*) |
|
|
5.44% (5.47%*) |
|
|
5.94% (5.64%*) |
|
|
6.04% (5.75%*) |
|
|
6.14% (5.87%*) |
|
|
n/a |
|
|
n/a |
|
|
5.00% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
4.89% (5.42%*) |
|
|
5.49% (5.52%*) |
|
|
5.99% (5.69%*) |
|
|
5.53% (5.60%*) |
|
|
6.19% (5.92%*) |
|
|
n/a |
|
|
n/a |
|
|
5.05% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
4.99% (5.60%*) |
|
|
5.59% (5.69%*) |
|
|
5.89% (5.80%*) |
|
|
6.19% (5.96%*) |
|
|
6.39% (6.12%*) |
|
|
n/a |
|
|
n/a |
|
|
5.24% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
60.00% |
|
Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
5.04% (5.65%*) |
|
|
5.64% (5.74%*) |
|
|
5.94% (5.85%*) |
|
|
6.24% (6.01%*) |
|
|
6.44% (6.17%*) |
|
|
n/a |
|
|
n/a |
|
|
5.29% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
60.00% |
|
|
80.00% |
|
Monthly |
|
|
yes - free up to $30,000 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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 |
|
|
5.09% (5.70%*) |
|
|
5.69% (5.79%*) |
|
|
5.99% (5.90%*) |
|
|
6.29% (6.06%*) |
|
|
6.49% (6.22%*) |
|
|
n/a |
|
|
n/a |
|
|
5.34% 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 |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
none |
|
|
Receive $4,000 refinance cashback, min loan size of $250,000 and LVR less than or equal to 80% (excludes refinances from Westpac Group), apply by 31 October 2022 and settle by 31 January 2023. |
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.
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.
Only allows me to down pay the loan by $5000 per year.
Read full reviewOnly allows me to down pay the loan by $5000 per year.
STG Bank are really helpful.
Read full reviewSTG Bank are really helpful.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% 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.
