Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 70% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | 70%-80% | $150,000 | |
|
|
Owner Occupier | Principal & Interest | 80%-95% | $150,000 | |
|
|
Owner Occupier | Interest Only | < 70% | $150,000 | |
|
|
Owner Occupier | Interest Only | 70%-80% | $150,000 | |
|
|
Investor | Principal & Interest | 70%-80% | $150,000 | |
|
|
Investor | Interest Only | < 70% | $150,000 | |
|
|
Investor | Principal & Interest | < 70% | $150,000 | |
|
|
Investor | Principal & Interest | 80%-95% | $150,000 | |
|
|
Investor | Interest Only | 70%-80% | $150,000 | |
|
|
Investor | Interest Only | 80%-90% | $150,000 |
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
6.14% (7.60%*) |
|
|
5.84% (7.42%*) |
|
|
5.94% (7.31%*) |
|
|
5.94% (7.20%*) |
|
|
5.94% (7.09%*) |
|
|
n/a |
|
|
n/a |
|
|
7.39% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
70.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.24% (7.70%*) |
|
|
5.94% (7.52%*) |
|
|
6.04% (7.41%*) |
|
|
6.04% (7.30%*) |
|
|
6.04% (7.19%*) |
|
|
n/a |
|
|
n/a |
|
|
7.49% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
70.00% |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.54% (8.00%*) |
|
|
6.24% (7.81%*) |
|
|
6.34% (7.70%*) |
|
|
6.34% (7.59%*) |
|
|
6.34% (7.48%*) |
|
|
n/a |
|
|
n/a |
|
|
7.79% 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 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.44% (8.15%*) |
|
|
6.24% (7.96%*) |
|
|
6.24% (7.80%*) |
|
|
6.44% (7.74%*) |
|
|
6.44% (7.62%*) |
|
|
n/a |
|
|
n/a |
|
|
7.98% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
70.00% |
|
Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.54% (8.25%*) |
|
|
6.34% (8.05%*) |
|
|
6.34% (7.90%*) |
|
|
6.54% (7.83%*) |
|
|
6.54% (7.72%*) |
|
|
n/a |
|
|
n/a |
|
|
8.08% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
70.00% |
|
|
80.00% |
|
Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.39% (8.21%*) |
|
|
6.14% (7.99%*) |
|
|
6.24% (7.85%*) |
|
|
6.24% (7.70%*) |
|
|
6.24% (7.57%*) |
|
|
n/a |
|
|
n/a |
|
|
8.05% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
70.00% |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.44% (8.38%*) |
|
|
6.24% (8.16%*) |
|
|
6.24% (7.98%*) |
|
|
6.24% (7.82%*) |
|
|
6.24% (7.67%*) |
|
|
n/a |
|
|
n/a |
|
|
8.24% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
70.00% |
|
Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.29% (8.11%*) |
|
|
6.04% (7.89%*) |
|
|
6.14% (7.75%*) |
|
|
6.14% (7.61%*) |
|
|
6.14% (7.48%*) |
|
|
n/a |
|
|
n/a |
|
|
7.95% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
none |
|
|
70.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.69% (8.50%*) |
|
|
6.44% (8.28%*) |
|
|
6.54% (8.14%*) |
|
|
6.54% (7.99%*) |
|
|
6.54% (7.86%*) |
|
|
n/a |
|
|
n/a |
|
|
8.35% 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 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.54% (8.47%*) |
|
|
6.34% (8.25%*) |
|
|
6.34% (8.07%*) |
|
|
6.34% (7.91%*) |
|
|
6.34% (7.77%*) |
|
|
n/a |
|
|
n/a |
|
|
8.34% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$100.00 |
|
|
n/a |
|
|
$395.00 yearly |
|
|
$350.00 |
|
$150,000 |
|
|
none |
|
|
70.00% |
|
|
80.00% |
|
Monthly |
|
|
yes - free up to $30,000 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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 |
|
|
6.84% (8.77%*) |
|
|
6.64% (8.54%*) |
|
|
6.64% (8.36%*) |
|
|
6.64% (8.20%*) |
|
|
6.64% (8.06%*) |
|
|
n/a |
|
|
n/a |
|
|
8.64% 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 during the fixed rate term |
|
|
yes |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes - partial only |
|
|
none |
|
|
Fixed Rate Lock feature fee is the higher of 0.15% of loan amount or $500, capped at $1000 for loans up to $2M. Rate Lock fee is 0.15% of loan amount for loans above $2M |
|
|
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.
Excellent experience with a great bank, never had an issue, any questions we have had were answered quickly and easily. Fantastic rate and ability to split the loan. Have felt secure with the bank and never had any doubts. Friendly and helpful staff.
Read full reviewExcellent experience with a great bank, never had an issue, any questions we have had were answered quickly and easily. Fantastic rate and ability to split the loan. Have felt secure with the bank and never had any doubts. Friendly and helpful staff.
We started our home loan with St George (because we could use a guarantor), we then refinanced with someone else but have come back now to St George We received a $4,000 cash back offer and the fixed rate was very reasonable at the time Not looking forward to when this goes back to variable next year! Overall very happy with St George
Read full reviewWe started our home loan with St George (because we could use a guarantor), we then refinanced with someone else but have come back now to St George We received a $4,000 cash back offer and the fixed rate was very reasonable at the time Not looking forward to when this goes back to variable next year! Overall very happy with St George
Communication has been excellent from St George, they. Made it easy to fix our rate over the phone with no fuss and offered a competitive rate. Unfortunately our closest branch shut and there have been occasions where the next nearest branch was shut when we needed to go in.
Read full reviewCommunication has been excellent from St George, they. Made it easy to fix our rate over the phone with no fuss and offered a competitive rate. Unfortunately our closest branch shut and there have been occasions where the next nearest branch was shut when we needed to go in.
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.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Home Value Loan
6.14% p.a. variable
6.14% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.97% p.a.
OMG Home Loan
5.99% p.a. variable
6.02% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.97% p.a.
Great Rate Home Loan
5.99% p.a. variable
6.01% p.a.
Elevate
6.13% p.a. variable
6.14% p.a.
Great Rate Home Loan
5.99% p.a.
6.01% p.a.
OMG Home Loan
5.99% p.a.
6.02% p.a.
Elevate
6.13% p.a.
6.14% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.49% p.a.
fixed 3 years
6.97% p.a.
Fixed Home Loan Rate
5.59% p.a.
fixed 3 years
6.31% p.a.
3 Year Fixed Rate Home Loan (Special Offer)
5.59% p.a.
fixed 3 years
6.99% p.a.
Fixed Rate Loan
5.79% p.a.
fixed 3 years
6.07% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% 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.
