Compare home loan features
Everyone is different and so our home loans have different needs in mind. Remember, the lowest interest rate doesn’t necessarily mean that home loan is the best. You need to look at the features and decide which are the most important to you.
| Features | Introductory Rate Home Loan | Basic Home Loan | Fixed Rate | Standard Variable Rate Home Loan | Portfolio Loan | Low Doc Home Loans | Seniors Access | Relocation Home Loan | Super Fund Home Loan | Construction Home Loan |
|---|---|---|---|---|---|---|---|---|---|---|
| Apply | Apply | Apply | Apply | Apply | Apply | Apply | Apply | Apply | Apply | |
| Variable interest rate | ||||||||||
| Fixed interest rate | ||||||||||
| Advantage Package | ||||||||||
| Advantage Home Loan Package |
***
|
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| Fees | ||||||||||
| Monthly Administration Fee |
+
|
+
|
+
|
+
|
+
|
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| Payment types | ||||||||||
| Additional payments |
*
|
*
|
*
|
*
|
*
|
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| Weekly, fortnightly or monthly repayments | ||||||||||
| Automatic repayments | ||||||||||
| Monthly interest based repayment | ||||||||||
| Interest in Advance payment for Fixed Rate investment loans | ||||||||||
| Features | ||||||||||
| 100% interest offset |
#
|
#
|
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| Partial interest offset | ||||||||||
| Redraw † |
#
|
#
|
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| Can form part of Flexible Choice Home Loan | ||||||||||
| Can be used for building |
#
|
#
|
#
|
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| Suitable for vacant land |
**
|
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| Ability to increase loan amount |
#
|
#
|
#
|
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| Family Pledge option available | ||||||||||
| Rate Lock |
^
|
^
|
^
|
^
|
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+ Not payable when part of Advantage Package
* Up to $10k for fixed rate loans per year before break costs apply. Payments can be made at any time.
** Construction must be completed within 6 months
*** If End Debt portion is Portfolio Loan only
# On variable rate portion only
^ On fixed rate portion only
† Subject to the Bank’s consent and a fee is payable for each request we approve and process.
Important information: All applications for credit are subject to St.George Bank’s prevailing credit criteria. Fees and charges are payable and terms and conditions apply. Full details of relevant terms and conditions are available on request.