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Home Loans

Ten minute home loan applications

Our most popular home loans, including our flexible Standard Variable Rate Loan and our fixed rate loan.

Featured accounts

  • Standard Variable Rate Home Loan

    For a limited time, save p.a. off our standard variable rate with Advantage Package for loans of $500,000 or more.*

    • Features include full interest offset, redraw, repayment pause and more!
    • Flexible repayment options
  • Fixed Rate Home Loan

    Get a 0.15% p.a. interest rate discount on our Fixed Rate Home Loan with Advantage Package

    • Choose a fixed rate of 1 to 5 years
    • Extra payments and redraw allowed up to $10,000 p.a.^

Tools, Calculators and FAQs

Have you considered

Home and contents insurance

Home and contents insurance

Peace of mind. Whether you're a home owner or a landlord, we have levels of cover to choose from.

Home loan protection

Home Loan Protection

Your home loan commitments can be covered in the event you become sick or injured.

BT Super for Life

BT Super for Life

A low fee Super account that you view and manage online with St.George internet banking.

Important information

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch. The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 33 30.

*Credit criteria fees and charges apply. Terms and conditions are available on request. This offer is available for applications received from 1 July 2013 for a limited time only on applications received under the Advantage Package. Offer is not available for loan refinances of existing St.George home loans, BankSA, and Bank of Melbourne home loans. Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.

Special interest rate discounts: In addition to the conditions set out above, the following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans and for the following loan amounts: Loans between $150,000 and $249,999, p.a. discount, for loans between $250,000 and $499,999, p.a. discount. For loans greater than $500,000, p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of p.a. discount and do not apply to internal refinances and are not transferrable between loans. If you apply outside of the offer period, standard Advantage Package discounts will apply which are available at

^ Redraw requests are subject to our approval. Fees apply. For fixed rate loans, redraw is only available for loans fixed on or after 30 November 2009 and only up to a maximum of $10,000 and break costs may apply.