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 2020 Mozo Experts Choice Award winning St.George Fixed Home Loan (Advantage Package). With fixed rates starting from 1.89% (3.17% 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.
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:
1.99% fixed three year rate (3.28% comparison rate*) for LVRs below 60%
2.04% fixed three year rate (3.33% comparison rate*) for LVRs below 80%
2.09% fixed three year rate (3.37% 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 $2,000 for investors as well as owner occupiers with P & I loans under 80% LVR. That's not all either, because you can even earn another $2,000 if you refinance an additional property under the Advantage package (minimum loan size $250,000).
Just bear in mind that owner occupied interest-only loans aren't eligible for any of this cashback.
And before you sign the dotted line, remember that this loan comes with a $395 annual fee, $350 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 low fixed rates, they will need to budget for the $395 annual fee.
n/a
n/a
n/a
n/a
1.99% (3.46%*)
1.99% (3.37%*)
1.99% (3.28%*)
1.89% (3.16%*)
2.19% (3.20%*)
n/a
n/a
3.14% 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 $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.
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
2.04% (3.51%*)
2.04% (3.41%*)
2.04% (3.33%*)
1.94% (3.21%*)
2.24% (3.24%*)
n/a
n/a
3.19% 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 $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.
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
2.09% (3.56%*)
2.09% (3.46%*)
2.09% (3.37%*)
1.99% (3.26%*)
2.29% (3.29%*)
n/a
n/a
3.24% 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 $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.
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
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.
$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
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.
$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
2.49% (4.00%*)
2.39% (3.88%*)
2.39% (3.78%*)
2.69% (3.78%*)
2.69% (3.72%*)
n/a
n/a
3.70% 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 $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.
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
2.54% (4.05%*)
2.44% (3.93%*)
2.44% (3.83%*)
2.74% (3.83%*)
2.74% (3.76%*)
n/a
n/a
3.75% 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 $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.
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
2.59% (4.10%*)
2.49% (3.98%*)
2.49% (3.88%*)
2.79% (3.88%*)
2.79% (3.81%*)
n/a
n/a
3.80% 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 $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.
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
2.69% (4.28%*)
2.59% (4.15%*)
2.59% (4.04%*)
2.89% (4.03%*)
2.89% (3.96%*)
n/a
n/a
3.99% 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 $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.
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
2.74% (4.33%*)
2.64% (4.20%*)
2.64% (4.09%*)
2.94% (4.08%*)
2.94% (4.01%*)
n/a
n/a
4.04% 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 $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.
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
2.79% (4.39%*)
2.69% (4.26%*)
2.69% (4.15%*)
2.99% (4.14%*)
2.99% (4.07%*)
n/a
n/a
4.11% 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 $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.
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.
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.
Great bank.
Read full reviewEasy to do online banking, helpful customer service over the phone.
Read full reviewEasy to do online banking, helpful customer service over the phone.
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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2.09% p.a.
fixed 3 years
3.01% 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.
