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St.George Fixed Home Loan (Advantage Package)

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%

Choose the version of this loan that suits you best

  • 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

Fixed 3 year rate
2.19% p.a.
Comparison Rate*
3.33% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.24% p.a.
Comparison Rate*
3.38% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.29% p.a.
Comparison Rate*
3.43% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
3.59% p.a.
Comparison Rate*
4.11% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
3.64% p.a.
Comparison Rate*
4.16% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.59% p.a.
Comparison Rate*
3.83% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.64% p.a.
Comparison Rate*
3.88% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.69% p.a.
Comparison Rate*
3.93% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.79% p.a.
Comparison Rate*
4.09% p.a.
Service fee
$395.00 yearly
Upfront fee
$100
Fixed 3 year rate
2.84% p.a.
Comparison Rate*
4.14% p.a.
Service fee
$395.00 yearly
Upfront fee
$100

Mozo editorial review St.George Fixed Home Loan (Advantage Package)

Last updated: 20 July 2020.

binocular icon
What's hot
  • 2.24% fixed year rate (3.38% comparison rate*) for 1-3 years, LVRs below 80%
  • Refinance cashback offer available
  • Partial offset account, extra repayments and redraw facility
  • 2020 Mozo Experts Choice Award
What's not
  • $395 annual service fee
Mozo snapshot

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 2020 Mozo Experts Choice Award winning St.George Fixed Home Loan (Advantage Package). With fixed rates starting from 2.24% (3.38% comparison rate*) for borrowers with a 40% deposit, 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.

key icon
Key features

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. For owner occupier borrowers planning on making principal and interest repayments, the three year fixed rates are as follows: 

  • 2.19% fixed three year rate (3.33% comparison rate*) for LVRs below 60%

  • 2.24% fixed three year rate (3.38% comparison rate*) for LVRs below 80%

  • 2.29% fixed three year rate (3.43% comparison rate*) for LVRs below 95%

This loan is also available for investors with fixed rates starting from 2.59% (3.83% comparison rate*) for investors with an LVR below 60%. And if you prefer a longer or shorter fixed term period, St.George offer fixed rates between one to five years. 

Interest-only options are also available with the St.George Fixed Home Loan (Advantage Package). 

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 refinancers have the chance to score $2,000 cashback if they refinance a property with a St.George Basic Home Loan, plus an extra $1,000 for P&I, OO loans. That's not all either, because you can even earn another $2,000 if you refinance any additional properties under the Advantage package (minimum loan size $250,000). 

However before you sign the dotted line, just remember that this loan comes with a $395 annual fee, $350 discharge fee and $100 settlement fee. 

snapshot
Who is it good for

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. 

snapshot
Any catches

While borrowers can save on the lack of upfront fee and low fixed rates, they will need to budget for the $395 annual fee.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.19% (3.48%*)

  • 2.19% (3.41%*)

  • 2.19% (3.33%*)

  • 2.69% (3.42%*)

  • 2.69% (3.39%*)

  • n/a

  • n/a

  • 3.14% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 60.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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). Owner Occupiers with an LVR <80% can receive an additional $1,000 cash back.

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.24% (3.53%*)

  • 2.24% (3.45%*)

  • 2.24% (3.38%*)

  • 2.74% (3.47%*)

  • 2.74% (3.44%*)

  • n/a

  • n/a

  • 3.19% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 60.00%

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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). Owner Occupiers with an LVR <80% can receive an additional $1,000 cash back.

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.29% (3.58%*)

  • 2.29% (3.50%*)

  • 2.29% (3.43%*)

  • 2.79% (3.52%*)

  • 2.79% (3.49%*)

  • n/a

  • n/a

  • 3.24% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 80.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.59% (4.13%*)

  • 3.59% (4.12%*)

  • 3.59% (4.11%*)

  • 4.04% (4.25%*)

  • 4.04% (4.27%*)

  • n/a

  • n/a

  • 3.73% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 60.00%

Features
  • 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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.64% (4.18%*)

  • 3.64% (4.17%*)

  • 3.64% (4.16%*)

  • 4.09% (4.30%*)

  • 4.09% (4.32%*)

  • n/a

  • n/a

  • 3.78% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 60.00%

  • 80.00%

Features
  • 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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.79% (4.03%*)

  • 2.59% (3.92%*)

  • 2.59% (3.83%*)

  • 3.09% (3.91%*)

  • 3.09% (3.87%*)

  • n/a

  • n/a

  • 3.70% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 60.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.84% (4.08%*)

  • 2.64% (3.97%*)

  • 2.64% (3.88%*)

  • 3.14% (3.96%*)

  • 3.14% (3.92%*)

  • n/a

  • n/a

  • 3.75% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 60.00%

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.89% (4.13%*)

  • 2.69% (4.02%*)

  • 2.69% (3.93%*)

  • 3.19% (4.01%*)

  • 3.19% (3.97%*)

  • n/a

  • n/a

  • 3.80% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (4.31%*)

  • 2.79% (4.18%*)

  • 2.79% (4.09%*)

  • 3.29% (4.17%*)

  • 3.29% (4.12%*)

  • n/a

  • n/a

  • 3.99% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • none

  • 60.00%

Features
  • Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 3.04% (4.35%*)

  • 2.84% (4.23%*)

  • 2.84% (4.14%*)

  • 3.34% (4.21%*)

  • 3.34% (4.17%*)

  • n/a

  • n/a

  • 4.04% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $395.00 yearly

  • $350.00

Other financial bits
  • $150,000

  • none

  • 60.00%

  • 80.00%

Features
  • Monthly

  • yes - free up to $30,000

  • yes

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • Receive $2,000 cashback per property when you refinance a property with a Basic Home Loan or under the Advantage Package with a minimum loan size of $250,000 (excludes refinances from Westpac Group).

*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.

Customer Reviews

How are St.George home loans rated by the Mozo community?

Overall customer rating
7.0/10
Price
6.6/10
Features
6.3/10
Customer service
7.1/10
Convenience
7.4/10
Trust
6.9/10

Latest reviews of St.George Fixed Home Loan (Advantage Package)

  • Overall 7/10
    OK.

    Only allows me to down pay the loan by $5000 per year.

    Read full review

    Only allows me to down pay the loan by $5000 per year.

    Price
    7/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    8/10
    Less
    Ian, New South Wales reviewed 4 months ago
  • Overall 10/10
    Great customer service.

    STG Bank are really helpful.

    Read full review

    STG Bank are really helpful.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kristy, New South Wales reviewed 8 months ago
  • Overall 8/10
    Great bank.

    Great bank.

    Read full review

    Great bank.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Donna, New South Wales reviewed 8 months ago
  • Overall 9/10
    Easy to use.

    Easy to do online banking, helpful customer service over the phone.

    Read full review

    Easy to do online banking, helpful customer service over the phone.

    Price
    8/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Kathy, New South Wales reviewed 8 months ago
  • Overall 9/10
    Reliable

    Three words to describe them. Trustworthy, competitive and reliable.

    Read full review

    Three words to describe them. Trustworthy, competitive and reliable.

    Price
    5/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10
    Less
    Liz, New South Wales reviewed 10 months ago
St.George

About 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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Economy

2.69% p.a. variable

2.86% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.94% p.a. variableApply now to get this rate from 30 Sep

2.87% p.a.Apply now to get this rate from 30 Sep

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Promoted

ING

ING

Mortgage Simplifier

2.59% p.a.

2.62% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan

2.74% p.a.

2.74% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

Promoted

HSBC

HSBC

Home Value Loan

2.65% p.a.

2.66% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

2.59% p.a.

2.63% p.a.

Promoted

ING

ING

Orange Advantage (Package)

2.64% p.a.

2.98% p.a.

Promoted

ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

Promoted

Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

Promoted

Qudos Bank

Qudos Bank

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.82% 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.