based on 9662 St.George product reviews as rated by Mozo community

St.George home loans

One of Australia’s largest banks, St.George has been providing financial services to Australian customers and businesses since 1937. In 2008, St.George became part of the Westpac Group.

A 2022 Mozo Experts Choice Home Loan Award winner, St.George offers a variety of different home loans including variable and fixed rate loans to package and line of credit offers - all of which you'll be able to view in more detail below. 

What home loans do St.George offer?

Rates and fees verified as correct at 29 March 2024. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

When it comes to fixed rate home loans, St.George has a Fixed Home Loan product which is available for lending starting from $10,000 in a number of variations based on borrower type (owner occupier or investor), loan type (principal and interest or interest-only repayments) and the loan-to-value ratio (between 60-95%). 

Borrowers can lock in a fixed rate for a 1 - 5 year period and there is an additional rate lock feature which allows you to secure the advertised interest rate for up to 3 months before the settlement date of your loan (fees apply). There is plenty of flexibility in terms of repayment options including the ability to make extra repayments (up to $30,000 without charge), a redraw facility (fees apply) and even a partial offset account. There is a monthly service fee to consider though, as well as a number of one-off fees.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

7.14% p.a.

8.83% p.a.

$8.00 monthly

$700

7.04% p.a.

8.73% p.a.

$8.00 monthly

$700

6.84% p.a.

8.34% p.a.

$8.00 monthly

$700

7.14% p.a.

8.64% p.a.

$8.00 monthly

$700

6.74% p.a.

8.25% p.a.

$8.00 monthly

$700

7.04% p.a.

8.97% p.a.

$8.00 monthly

$700

7.34% p.a.

9.26% p.a.

$8.00 monthly

$700

6.94% p.a.

8.88% p.a.

$8.00 monthly

$700

6.94% p.a.

8.75% p.a.

$8.00 monthly

$700

7.24% p.a.

9.04% p.a.

$8.00 monthly

$700

6.84% p.a.

8.65% p.a.

$8.00 monthly

$700

Variable Rate Home Loans

Owner occupiers and investors are given the choice between two variable rate options with St.George: the Basic Home Loan with borrowing from $30,000 and the Standard Variable Home Loan which is available on loans starting from $10,000. Both loans give mortgage holders control over their home loans with flexible features such as extra repayments, redraws (fees may apply) and repayment holidays, but only the Standard Variable Home Loan comes with an offset account attached. On the flip side, Basic Home Loan customers won't be charged an ongoing service fee, though both loans comes with a few upfront fees. 

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

7.39% p.a.

7.40% p.a.

$0.00

$100

7.29% p.a.

7.30% p.a.

$0.00

$100

6.39% p.a.

6.40% p.a.

$0.00

$100

6.69% p.a.

6.70% p.a.

$0.00

$100

6.29% p.a.

6.30% p.a.

$0.00

$100

9.40% p.a.

9.54% p.a.

$8.00 monthly

$700

9.30% p.a.

9.44% p.a.

$8.00 monthly

$700

8.81% p.a.

8.95% p.a.

$8.00 monthly

$700

9.11% p.a.

9.25% p.a.

$8.00 monthly

$700

8.71% p.a.

8.85% p.a.

$8.00 monthly

$700

7.29% p.a.

7.30% p.a.

$0.00

$100

6.99% p.a.

7.00% p.a.

$0.00

$100

6.89% p.a.

6.90% p.a.

$0.00

$100

6.64% p.a.

6.65% p.a.

$0.00

$100

6.94% p.a.

6.95% p.a.

$0.00

$100

6.54% p.a.

6.55% p.a.

$0.00

$100

9.66% p.a.

9.80% p.a.

$8.00 monthly

$700

9.96% p.a.

10.10% p.a.

$8.00 monthly

$700

9.56% p.a.

9.70% p.a.

$8.00 monthly

$700

9.37% p.a.

9.51% p.a.

$8.00 monthly

$700

9.67% p.a.

9.81% p.a.

$8.00 monthly

$700

9.27% p.a.

9.41% p.a.

$8.00 monthly

$700

Fixed Package Home Loan

The Fixed Home Loan (Advantage Package) from St. George is available with home loans starting from $150,000. Whether you’re an owner occupier or investor, you’ll be able to make full use of the flexible repayment options that come with the package including extra repayments (free up to $30,000), a redraw facility and repayment holidays when you’re ahead on your payments. There is also a partial offset account to help reduce your interest payments over the term of the loan. In return for an annual fee, you’ll be able to enjoy exclusive package offers such as various interest rate discounts and waived fees on your home loan, credit card and transaction account.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

6.99% p.a.

8.09% p.a.

$395.00 yearly

$100

6.89% p.a.

7.99% p.a.

$395.00 yearly

$100

6.69% p.a.

7.60% p.a.

$395.00 yearly

$100

6.99% p.a.

7.89% p.a.

$395.00 yearly

$100

6.59% p.a.

7.50% p.a.

$395.00 yearly

$100

6.89% p.a.

8.24% p.a.

$395.00 yearly

$100

7.19% p.a.

8.53% p.a.

$395.00 yearly

$100

6.79% p.a.

8.14% p.a.

$395.00 yearly

$100

6.79% p.a.

8.01% p.a.

$395.00 yearly

$100

7.09% p.a.

8.30% p.a.

$395.00 yearly

$100

6.69% p.a.

7.91% p.a.

$395.00 yearly

$100

Variable Package Home Loan

St.George's Variable Home Loan (Advantage Package) is available to owner occupiers and investors on home loans starting from $150,000. You’ll get all the same great features as with the fixed rate alternative, with the added flexibility in terms of repayments. With the variable rate package, you will enjoy unlimited extra repayments (for free), redraws and the full use of an offset account to help you pay off your home loan as soon as possible. You can choose to make monthly repayments on your principal and interest amount or only on interest, and you can make these payments weekly, fortnightly or monthly.

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

8.08% p.a.

8.42% p.a.

$395.00 yearly

$100

7.98% p.a.

8.32% p.a.

$395.00 yearly

$100

7.49% p.a.

7.84% p.a.

$395.00 yearly

$100

7.79% p.a.

8.13% p.a.

$395.00 yearly

$100

7.39% p.a.

7.74% p.a.

$395.00 yearly

$100

8.34% p.a.

8.68% p.a.

$395.00 yearly

$100

8.64% p.a.

8.97% p.a.

$395.00 yearly

$100

8.24% p.a.

8.58% p.a.

$395.00 yearly

$100

8.05% p.a.

8.39% p.a.

$395.00 yearly

$100

8.35% p.a.

8.69% p.a.

$395.00 yearly

$100

7.95% p.a.

8.29% p.a.

$395.00 yearly

$100

St.George home loan features in a glance

Offset icon

Offset account

To help you save on interest payments over the term of your loan, St.George’s Standard Variable Home Loan and Variable Home Loan (Advantage Package) come with an offset account. Borrowers opting for a fixed rate will not miss out on this money saving feature either, because the Fixed Home Loan from St.George has a partial offset account.

Home loan icon

Family Pledge

With St.George’s Family Pledge option, your parents or other family members can use the equity in their own home to provide additional security for a portion of your loan amount. That way your loan-to-value ratio (LVR) will be reduced and you may be able to avoid paying Lender’s Mortgage Insurance.

Repayment Icon

Extra repayments

Whether you choose a fixed, variable or package home loan from St.George, you’ll be able to make extra repayments towards your loan balance whenever you like (free up to $30,000 for fixed home loans).

Image of coins

Split loan

Variable rate? Fixed rate? Can’t decide? Many of the St.George home loans have a split loan facility which means you won’t have to choose one or the other. Simply split your loan between a fixed and variable rate and take advantage of the benefits of both.

How are St.George home loans rated?

Mozo users have rated St.George home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
St.George home loans
Overall
Price
Features
Customer service
Convenience
Trust

1558 Reviews

Recent St.George home loan reviews

St.George Standard Variable Home Loan
Overall 10/10
Great overall

Package is good, no local branch, but alternatives available, on line is great.

Read full review

Package is good, no local branch, but alternatives available, on line is great.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
8/10
Trust
8/10
Less
Sogna, Western Australia, reviewed 10 days ago
St.George Variable Home Loan (Advantage Package)
Overall 8/10
First Home Loan made easy

I have recently taken out a home loan with St George and it has been so easy and quick. I haven’t banked with St George previously but so far they have exceeded my expectations!

Read full review

I have recently taken out a home loan with St George and it has been so easy and quick. I haven’t banked with St George previously but so far they have exceeded my expectations!

Price
8/10
Features
8/10
Customer service
9/10
Convenience
9/10
Trust
8/10
Less
Amy, New South Wales, reviewed 10 days ago
St.George Fixed Home Loan (Advantage Package)
Overall 9/10
Very happy!

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 review

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

Price
9/10
Features
6/10
Customer service
8/10
Convenience
7/10
Trust
9/10
Less
Aliza, New South Wales, reviewed 15 days ago
St.George Home Loan
Overall 4/10
Needs a lot of improvement with their technology

Do not like the banking app , not transparent with the offset account feels like you are losing money sometimes , the app is all over the place and not intuitive to the user , comparing with other people my home loan is one of the higher ones.

Read full review

Do not like the banking app , not transparent with the offset account feels like you are losing money sometimes , the app is all over the place and not intuitive to the user , comparing with other people my home loan is one of the higher ones.

Price
4/10
Features
3/10
Customer service
7/10
Convenience
2/10
Trust
5/10
Less
Benjamin, Queensland, reviewed 10 days ago
St.George Basic Home Loan
Overall 8/10
High Interest Rates

The bank does not change interest rates if you are struggling when the interest rates are so high.

Read full review

The bank does not change interest rates if you are struggling when the interest rates are so high.

Price
1/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
6/10
Less
Ami, Queensland, reviewed 2 months ago

What do you need to apply for a St.George home loan?

Putting in a little leg work can go a long way when it comes to applying for a home loan, so take a few minutes to find out which documents you may need to supply in order to apply for a home loan with St.George.

You may need to supply other documentation depending on your individual circumstances:

Home loan quick links