Replace first home nerves with know-how.
Not sure what to expect? Make yourself at home.
Home Guarantee Scheme
You could buy your home sooner, with a low deposit and no need to pay LMI.
Understanding home loan jargon
Watch our bite-size videos on everything from “comparison rates” to “split loans”. You'll be busting the home loan jargon in no time.
First Home Buyers’ Guide
Buying your first place can be exciting, but also confusing. We’ve put together a concise step-by-step guide to help you navigate the process.
Purchase costs
Our stamp duty and lenders mortgage insurance calculator could help you estimate these property purchase costs.
Play with our calculators
Estimate how much you could borrow. See how choosing fixed, variable or Interest Only can affect your repayments.
Buy with confidence
Research the neighbourhood – and whether you can afford to buy there – with our free online full Property Reports.
Help me choose
Use our home loan selector to match with the right options.
It's easy to get started
Save time, apply online
Apply online for a home loan, conditional approval or to switch to us.
- You could get approval in 1 business day
- Dedicated lender will support you from application to settlement.
Book an appointment
A member of our team will be in touch at a time that suits you.
- They’ll answer your questions and guide you through your next steps.
- A lender can start your application for you.
The bank for first home buyers
- Awarded at RFi Group Australian Lending Awards 2021 for Best First Home Buyer Lender
Our Home Loans
We offer a range of mortgages to suit your needs with competitive interest rates.
Some key features
Learn about the different features of your home loan and see how they could affect you.
Important information
Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 43KB)
+LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
#Advantage Package Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from a St.George Complete Freedom transaction account. Before deciding to open a St.George Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you.