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Fixed Rate Home Loan
Fixed repayments on your home loan let you budget for the future with confidence
- Protect yourself against rising interest rates by fixing your interest rate for a period between 1 to 5 years.
- Budget with confidence as you know exactly how much you need to repay
- At the end of the fixed rate period, the interest rate reverts to the Standard Variable Rate or fix the interest rate for another fixed rate period.
- A range of our Fixed Rate Home Loans have recently been awarded a 5 star rating by Canstar Cannex for outstanding value.
- Choose to pay interest in advance and receive 0.2% p.a. off the fixed interest rate3 for the interest in advance period
A St.George lending expert will contact you at your preferred time.
Our FAQs include information on what interest in advance is and who can have it.
Click here for more information on how to apply.Interest type
- Fixed interest rate. Select from fixed rate periods of 1 to 5 years
Term
- Up to 30 years
Available for vacant land
- Yes
Frequency
- Choose to pay weekly1,fortnightly1 or monthly
Additional payments
- Make additional payments
Automatic repayments
- Set up convenient automatic repayments from your nominated account
Interest-only option
- Choose monthly interest-based repayments
- Choose to pay interest in advance and receive a discounted interest rate of 0.2%p.a.3 off the standard fixed rate
- Get great savings with this all-inclusive home loan package that includes a home loan, transaction account, credit card and more
Redraw Facility
- Get access to the extra payments you make with a maximum redraw5 of $10,000 p.a.
- Reduce or pause your home loan repayments for a period of between 3 to 12 months during a period of legitimate leave from the workforce4
- Maximise the amount you can borrow when a parent or other family member guarantees part of your home loan
- Enjoy the benefits of a fixed and a variable rate
- Yes4
- Keep earning interest on your deposit monies right up until settlement by using a Deposit Protect Bond instead of paying a cash deposit immediately
Learn more about our Fixed Rate Home Loan
- Call a home loan expert on 13 33 30 and say 'New Mortgage' when prompted, 8am - 8pm (AEST), Monday to Saturday.
A St.George lending expert will contact you at your preferred time.
Click here for more information on how to apply.1. Available on loans with principal and interest repayments only.
2. There is a limit on the amount of additional payments before break costs become payable.
3. Available for investment loans only. A discount of 0.20%p.a. will only be applicable if the interest in advance amount is deducted from a St.George transaction account.
4. Subject to the Bank’s approval and a fee applies for each approved request.
5 Subject to Bank approval and only applicable for loans fixed from 30 November 2009. A fee applies for each approved request. Not available on Senior Access & Superfund Home Loans.
2. There is a limit on the amount of additional payments before break costs become payable.
3. Available for investment loans only. A discount of 0.20%p.a. will only be applicable if the interest in advance amount is deducted from a St.George transaction account.
4. Subject to the Bank’s approval and a fee applies for each approved request.
5 Subject to Bank approval and only applicable for loans fixed from 30 November 2009. A fee applies for each approved request. Not available on Senior Access & Superfund Home Loans.
