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Home Loans

Take a look at our most popular home loans, Low Doc options for the self employed, and home loans with specialist features. We offer a range of options when you're thinking about borrowing and can arrange for a St.George Home Loan expert to call you back.

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

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

Have you considered

Visa Debit Card

A Visa Debit Card is not a credit card – it’s a debit card with no annual fee that gives you convenient access to funds in your transaction account.

Home and contents insurance

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


Protection Plans for Mortgage Customers

You probably wouldn't think twice about insuring your car, home or valuables but what about protecting your ability to continue paying your home loan if something happens to you?



Important information

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

Your welcome letter, which contains the loan offer and other information such as interest rates and fees. 

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, 0.70% p.a. discount, for loans between $250,000 and $499,999, 0.95% p.a. discount. For loans greater than $500,000, 1.00% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% 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 will apply.

^ 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.

St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).