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Standard Variable Rate Home Loan

Flexibility and great features with a Standard Variable Rate Home Loan!

Apply online

A St.George home loan expert will contact you at your preferred time.

Competitive interest rate

Choice of loan term & repayments

  • Choice of term up to 30 years for principal and interest repayments or up to 15 years for interest based repayments

Package and save!

For properties, vacant land or building

  • Available for property or vacant land purchase, and for building

Great features!

  • Features include 100% interest offset, redraw, repayment pause and more!

Compare

Discover your borrowing power!

Fees
Save when you package your home loan, selected credit card and transaction account with Advantage Package, an annual package fee of $395 applies.
Establishment fee
  • $6002
or
Monthly administration fee
  • $10
or
Other fees and charges apply. See a complete list of fees for loan accounts.
Interest rates
Annual rate Comparison rate4
 p.a.  p.a.
Get an interest rate discount  with Advantage Package3
Repayment options for Standard Variable Rate Home Loans
Frequency Choose either:
  • Principal and interest repayments for up to 30 years, or
  • Interest based repayments for up to 15 years.
  Weekly Fortnightly Monthly
Loans with Principal and interest repayments      
Loans with Interest based repayments      
Learn more:
Additional payments
  • Make additional payments at any time at no cost
  • Calculate what you could save by making extra payments
Automatic repayments
  • Set up convenient automatic repayments from your nominated St.George bank account
Choose the features you need
Package and save!
100% interest offset
  • With Mortgage Equaliser, our interest offset facility, you could save on interest by offsetting the funds in your linked transaction account against the balance of your loan
Redraw
Family Pledge
  • With Family Pledge you can reduce or even avoid paying Lender’s Mortgage Insurance5 when a parent or family member guarantees part of your home loan by using his or her own home's equity to provide additional security for a portion of your loan amount.
Consider splitting your loan
Repayment Pause
Deposit Protect Bond
  • Use a Deposit Protect Bond6 instead of paying a cash deposit immediately, and keep earning interest on your deposit money right up until settlement
  • Also ideal when using equity in an existing property to finance your purchase

 

Apply online

Apply online It takes just 15 minutes!

Enquire online

Enquire now and a St.George home loan expert will call at your preferred time

Call us

13 33 30. To talk with a St.George home loan expert, say “New Mortgage” when prompted.

Visit a branch

Find your nearest branch

What you’ll need to apply


Tips

How to apply

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.

1 Redraw and repayment pause requests are subject to our approval. Fees apply.
2 Other upfront fees and costs may apply.
3 Advantage Package annual fee of $395 applies, other fees may be payable. The fee savings apply for the duration of the package. Contact St.George to see if you are eligible to receive Advantage Package benefits.
4 The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
5 Lender’s Mortgage Insurance is generally payable on loans exceeding 80% of the value of your property.
6 St.George Deposit Protect Bonds are guaranteed by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 and are distributed by St.George – A Division of Westpac Banking Corporation. Before applying for this product, you should consider the Product Disclosure Statement (PDS) to see if it’s right for you.
# The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans: for loans between $100,000 and $149,999, 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied; for loans greater than $250,000, 0.70% p.a. discount will be applied. No discount applies for loans below $100,000. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.