|Features||Standard Variable Rate Loan||Fixed Rate Loan||Portfolio Loan||Basic Home Loan|
|One-off establishment fee2|
|Establishment fee with Advantage Package3||$0||$0||$0||N/A|
|Monthly administration fee2|
|Monthly fee||$10||$10||$14 per sub-account||$0|
|Monthly fee with Advantage Package3||$0||$0||$0||N/A|
|Advantage Package annual fee3||$395||$395||$395||N/A|
|Weekly, fortnightly or monthly payments allowed||8||8||8|
|Able to increase loan amount||9|
|Full interest offset|
|Partial interest offset|
|Family as guarantors|
|Interest in advance|
|Building a new home|
|Purchasing vacant land|
|Apply online||Apply online||Apply online||Apply online|
St.George's normal lending criteria apply. Conditions and fees apply and may change. Conditions, fees and credit criteria apply.
Before making a decision, it’s best to read the terms and conditions:
- Portfolio Loan Agreement - General Terms and Conditions.
- Residential Loan Agreement – General Terms and Conditions.
- Loan Accounts – Charges for specific services and accounts
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.
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, 0.60% p.a. discount, for loans between $250,000 and $499,999, 0.80% p.a. discount, , for loans between $500,000 and $749,999, 0.85% p.a discount. For loans greater than $750,000, 0.90% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.90% 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 http://www.stgeorge.com.au/personal/home-loans/our-home-loans/advantage-package.
2. Other fees and charges 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. 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.
5. Redraw under the Portfolio Loan is available via ATM, cheque, Internet Banking, Phone Banking or in a branch. Subject to systems availability.
6. Only available where fixed rate applies.
7. Up to $10,000 each year when a fixed rate applies. Break costs may apply for additional repayments.
8. Only monthly repayments allowed for interest only repayments.
9. On variable rate portion only.
10. New loans only.
11. On fixed rate portion only.
^ Special limited time discounted Basic Home Loan offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 23 August 2016. Offer current as at 23 August 2016. Refer to stgeorge.com.au/homeloans or call us for more information on current offers available. This is a current offer which may be varied or withdrawn at any time. If you apply after this offer has been withdrawn the interest rate which will apply is the standard Basic Variable Rate without any discount. Applicable to new loan applications only (excluding internal refinances) and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts. Upfront fees and other fees and charges may apply.