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St.George Standard Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $10,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a interest only loan of at least $10,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $10,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan of at least $10,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $10,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $10,000 with an LVR below 60%

The details shown below are for an investor taking out a interest only loan of at least $10,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 60%

    Loan: $10,000

  • Owner Occupier (Principal & Interest)

    LVR 60%-80%

    Loan: $10,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-95%

    Loan: $10,000

  • Owner Occupier (Interest Only)

    LVR < 60%

    Loan: $10,000

  • Owner Occupier (Interest Only)

    LVR 60%-80%

    Loan: $10,000

  • Investor (Principal & Interest)

    LVR < 60%

    Loan: $10,000

  • Investor (Principal & Interest)

    LVR 60%-80%

    Loan: $10,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $10,000

  • Investor (Interest Only)

    LVR < 60%

    Loan: $10,000

  • Investor (Interest Only)

    LVR 60%-80%

    Loan: $10,000

Rate
4.46% p.a.
Comparison Rate*
4.63% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
4.51% p.a.
Comparison Rate*
4.68% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
4.56% p.a.
Comparison Rate*
4.73% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.05% p.a.
Comparison Rate*
5.22% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.10% p.a.
Comparison Rate*
5.27% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.02% p.a.
Comparison Rate*
5.19% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.07% p.a.
Comparison Rate*
5.24% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.12% p.a.
Comparison Rate*
5.29% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.31% p.a.
Comparison Rate*
5.48% p.a.
Service fee
$10.00 monthly
Upfront fee
$700
Rate
5.36% p.a.
Comparison Rate*
5.53% p.a.
Service fee
$10.00 monthly
Upfront fee
$700

Details

Rates and fees information correct as at 21 October 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
  • 4.46% p.a.

  • n/a

  • n/a

  • n/a

  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 60.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 4.51% p.a.

  • n/a

  • n/a

  • n/a

  • 4.68% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 60.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 4.56% p.a.

  • n/a

  • n/a

  • n/a

  • 4.73% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.05% p.a.

  • n/a

  • n/a

  • n/a

  • 5.22% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 60.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.10% p.a.

  • n/a

  • n/a

  • n/a

  • 5.27% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 60.00%

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.02% p.a.

  • n/a

  • n/a

  • n/a

  • 5.19% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 60.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.07% p.a.

  • n/a

  • n/a

  • n/a

  • 5.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 60.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.12% p.a.

  • n/a

  • n/a

  • n/a

  • 5.29% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.31% p.a.

  • n/a

  • n/a

  • n/a

  • 5.48% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • none

  • 60.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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 21 October 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
  • 5.36% p.a.

  • n/a

  • n/a

  • n/a

  • 5.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $100.00

  • n/a

  • $10.00 monthly

  • $350.00

Other financial bits
  • $10,000

  • none

  • 60.00%

  • 80.00%

Features
  • Investor

  • Interest Only

  • Monthly

  • yes - free

  • yes

  • yes - fees apply

  • $0.00

  • yes

  • yes

  • 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.

Customer Reviews

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

Overall
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 Standard Variable Home Loan

  • Overall 1/10
    Would not recommend St George.

    The process has been anything but seamless, every step of the way there has been a problem that I have had to deal with and follow up with multiple phone calls and emails with little to no response most of the time. They have stuffed up every payment made to the builder so far. I had to pay extra on the day of settlement, 2 hours prior or my land wouldn't have settled and if it wasn't for the fact I was friends with my settlement agent I wouldn't have known there was an issue as my St.George banker's response to my settlement agent when advised of the short fall was "I have to go into a meeting", all because they couldn't get their calculations right to begin with. Then when it was discovered they owed me money it took constant following up to get the money back only to find they had done it as a loan advance and now I am paying interest on money that I shouldn't of had to part ways with in the first place. I would not recommend anyone to go with this bank when looking into house finance.

    Read full review

    The process has been anything but seamless, every step of the way there has been a problem that I have had to deal with and follow up with multiple phone calls and emails with little to no response most of the time. They have stuffed up every payment made to the builder so far. I had to pay extra on the day of settlement, 2 hours prior or my land wouldn't have settled and if it wasn't for the fact I was friends with my settlement agent I wouldn't have known there was an issue as my St.George banker's response to my settlement agent when advised of the short fall was "I have to go into a meeting", all because they couldn't get their calculations right to begin with. Then when it was discovered they owed me money it took constant following up to get the money back only to find they had done it as a loan advance and now I am paying interest on money that I shouldn't of had to part ways with in the first place. I would not recommend anyone to go with this bank when looking into house finance.

    Price
    4/10
    Features
    4/10
    Customer service
    1/10
    Convenience
    4/10
    Trust
    1/10
    Less
    Alicia, Western Australia reviewed about 1 month ago
  • Overall 9/10
    Responsive, ready to talk, proactive in options.

    Simple to deal with, very accommodating and understanding when circumstances change, i.e. need a top up to manage home repairs. Very happy.

    Read full review

    Simple to deal with, very accommodating and understanding when circumstances change, i.e. need a top up to manage home repairs. Very happy.

    Price
    9/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Steve, Victoria reviewed 4 months ago
  • Overall 2/10
    Not happy with variable rate.

    My rate takes a long time before lowering and is still above 3%. I'm going to look into changing providers.

    Read full review

    My rate takes a long time before lowering and is still above 3%. I'm going to look into changing providers.

    Price
    2/10
    Features
    2/10
    Customer service
    4/10
    Convenience
    8/10
    Trust
    2/10
    Less
    Simone, New South Wales reviewed 6 months ago
  • Overall 8/10
    Good products and service.

    Banked with St. George for years now. It is always competitive and the service is good.

    Read full review

    Banked with St. George for years now. It is always competitive and the service is good.

    Price
    8/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    8/10
    Less
    Martha, Western Australia reviewed 9 months ago
  • Overall 9/10
    Staff are attentive and positive

    Currently happy with business association

    Read full review

    Currently happy with business association

    Price
    9/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Paul, New South Wales reviewed over 3 years 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.

See St.George home loans

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2.76% p.a.

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n/a

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fixed 3 years

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fixed 3 years

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fixed 3 years

3.41% p.a.

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$0.00

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2.32% p.a.

$0.00

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2.49% p.a.

2.49% p.a.

$0.00

Promoted

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

Promoted

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

*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.