Home loan interest rates
Standard Variable Rate  Owner Occupier
Balances  Standard Variable Rate  Comparison rate^{1} 

Principal & Interest  
All balances  5.22% p.a.  5.39% p.a. 
Interest only  
All balances 
5.81% p.a.  5.97% p.a. 
Get an Advantage Package* discount on Balances $150,000+
Balances  Advantage Package^{* }Limited Time Special Discount^{#}  Standard Variable Rate with Advantage Package^{*} Limited Time Special Discount^{#}  Comparison rate^{1} 

Principal & Interest  
$150,000  $249,999  0.60% p.a.  4.62% p.a.  5.01% p.a. 
$250,000  $499,999  0.80% p.a.  4.42% p.a.  4.82% p.a. 
$500,000  $749,999  0.85% p.a.  4.37% p.a.  4.77% p.a. 
$750,000+  0.90% p.a.  4.32% p.a.  4.72% p.a. 
Interest only  
$150,000  $249,999  0.60% p.a.  5.21% p.a.  5.59% p.a. 
$250,000  $499,999  0.80% p.a.  5.01% p.a.  5.40% p.a. 
$500,000  $749,999  0.85% p.a.  4.96% p.a.  5.35% p.a. 
$750,000 +  0.90% p.a.  4.91% p.a.  5.30% p.a. 
Get an Advantage Package* discount on Balances $100,000+
Balances  Standard Advantage Package* Discount  Standard Variable Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
$100,000  $149,999  0.25% p.a.  4.97% p.a.  5.36% p.a. 
$150,000  $249,999  0.50% p.a.  4.72% p.a.  5.11% p.a. 
$250,000  $499,999  0.70% p.a.  4.52% p.a.  4.92% p.a. 
$500,000  $749,999  0.70% p.a.  4.52% p.a.  4.92% p.a. 
$750,000  $999,999  0.70% p.a.  4.52% p.a.  4.92% p.a. 
$1 Million +  0.70% p.a.  4.52% p.a.  4.92% p.a. 
Interest only 

$100,000  $149,999  0.25% p.a.  5.56% p.a.  5.94% p.a. 
$150,000  $249,999  0.50% p.a.  5.31% p.a.  5.69% p.a. 
$250,000  $499,999  0.70% p.a.  5.11% p.a.  5.50% p.a. 
$500,000  $749,999  0.70% p.a.  5.11% p.a.  5.50% p.a. 
$750,000  $999,999  0.70% p.a.  5.11% p.a.  5.50% p.a. 
$1 Million +  0.70% p.a.  5.11% p.a.  5.50% p.a. 
Fixed Rate Home Loan  Owner Occupier
Promotional Offer for new Advantage Package loans from 5 June 2018
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package^{*} promotional offer discount^^  Fixed Rate with Advantage Package^{*} with promotional offer discount^{^^}  Comparison rate^{1} 

Principal & Interest  
Promotional 2 year fixed (new loans only) 
4.04% p.a.  5.17% p.a.  0.19% p.a.  3.85% p.a.  4.95% p.a. 
Promotional 3 year fixed (new loans only) 
4.14% p.a.  5.09% p.a.  0.29% p.a.  3.85% p.a.  4.88% p.a. 
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package* Discount  Fixed Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
1 year fixed  4.24% p.a.  5.29% p.a.  0.15% p.a.  4.09% p.a.  5.05% p.a. 
2 year fixed  4.04% p.a.  5.17% p.a.  0.15% p.a.  3.89% p.a.  4.96% p.a. 
3 year fixed  4.14% p.a.  5.09% p.a.  0.15% p.a.  3.99% p.a.  4.92% p.a. 
4 year fixed  4.54% p.a.  5.15% p.a.  0.15% p.a.  4.39% p.a.  5.00% p.a. 
5 year fixed  4.54% p.a.  5.10% p.a.  0.15% p.a.  4.39% p.a.  4.98% p.a. 
Interest only  
1 year fixed  4.74% p.a.  5.87% p.a.  0.15% p.a.  4.59% p.a.  5.62% p.a. 
2 year fixed  4.64% p.a.  5.75% p.a.  0.15% p.a.  4.49% p.a.  5.54% p.a. 
3 year fixed  4.74% p.a.  5.68% p.a.  0.15% p.a.  4.59% p.a.  5.50% p.a. 
4 year fixed  5.14% p.a.  5.74% p.a.  0.15% p.a.  4.99% p.a.  5.58% p.a. 
5 year fixed  5.24% p.a.  5.73% p.a.  0.15% p.a.  5.09% p.a.  5.60% p.a. 
Basic Home Loan  Owner Occupier
Term  Annual Rate  Comparison rate^{1} 

Principal & Interest  
Basic Home Loan Promotional Discounted Rate Special limited time offer^{^} Rate includes 0.96% p.a. off the Basic Home Loan Rate 
3.68% p.a.  3.69% p.a. 
Basic Home Loan Rate  4.64% p.a.  4.69% p.a. 
Interest only  
Basic Home Loan Rate  5.23% p.a.  5.28% p.a. 
Relocation Home Loan  Owner Occupier
Term  Annual Rate  Comparison rate^{1} 

Interest only  
With end loan  5.81% p.a.  5.97% p.a. 
Without end loan  5.81% p.a.  6.03% p.a. 
Standard Variable Rate  Residential Investment
Balances  Standard Variable Rate  Comparison rate^{1} 

Principal & Interest  
All balances  5.78% p.a.  5.94% p.a. 
Interest only  
All balances 
6.32% p.a.  6.48% p.a. 
Get an Advantage Package* discount on Balances $150,000+
Balances  Advantage Package^{* }Limited Time Special Discount^{#}  Standard Variable Rate with Advantage Package^{*} Limited Time Special Discount^{#}  Comparison rate^{1} 

Principal & Interest  
$150,000  $249,999  0.60% p.a.  5.18% p.a.  5.56% p.a. 
$250,000  $499,999  0.80% p.a.  4.98% p.a.  5.37% p.a. 
$500,000  $749,999  0.85% p.a.  4.93% p.a.  5.32% p.a. 
$750,000+  0.90% p.a.  4.88% p.a.  5.27% p.a. 
Interest only  
$150,000  $249,999  0.60% p.a.  5.72% p.a.  6.09% p.a. 
$250,000  $499,999  0.80% p.a.  5.52% p.a.  5.90% p.a. 
$500,000  $749,999  0.85% p.a.  5.47% p.a.  5.85% p.a. 
$750,000+  0.90% p.a.  5.42% p.a.  5.80% p.a. 
Get an Advantage Package* discount on Balances $100,000+
Balances  Standard Advantage Package* Discount  Standard Variable Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
$100,000  $149,999  0.25% p.a.  5.53% p.a.  5.91% p.a. 
$150,000  $249,999  0.50% p.a.  5.28% p.a.  5.66% p.a. 
$250,000  $499,999  0.70% p.a.  5.08% p.a.  5.47% p.a. 
$500,000  $749,999  0.70% p.a.  5.08% p.a.  5.47% p.a. 
$750,000  $999,999  0.70% p.a.  5.08% p.a.  5.47% p.a. 
$1 Million +  0.70% p.a.  5.08% p.a.  5.47% p.a. 
Interest only 

$100,000  $149,999  0.25% p.a.  6.07% p.a.  6.44% p.a. 
$150,000  $249,999  0.50% p.a.  5.82% p.a.  6.19% p.a. 
$250,000  $499,999  0.70% p.a.  5.62% p.a.  6.00% p.a. 
$500,000  $749,999  0.70% p.a.  5.62% p.a.  6.00% p.a. 
$750,000  $999,999  0.70% p.a.  5.62% p.a.  6.00% p.a. 
$1 Million +  0.70% p.a.  5.62% p.a.  6.00% p.a. 
Fixed Rate Home Loan  Residential Investment
Promotional Offer for new Advantage Package loans from 5 June 2018
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package^{*} promotional offer discount^{^^}  Fixed Rate with Advantage Package Package^{*} with promotional offer discount^{^^}  Comparison rate^{1} 

Principal & Interest  
Promotional 2 year fixed (new loans only)  4.34% p.a.  5.67% p.a.  0.35% p.a.  3.99% p.a.  5.42% p.a. 
Promotional 3 year fixed (new loans only)  4.44% p.a.  5.58% p.a.  0.25% p.a.  4.19% p.a.  5.37% p.a. 
Promotional 5 year fixed (new loans only)  5.04% p.a.  5.63% p.a.  0.45% p.a.  4.59% p.a.  5.37% p.a. 
Interest only  
Promotional 1 year fixed (new loans only)  4.84% p.a.  6.33% p.a.  0.45% p.a.  4.39% p.a.  6.05% p.a. 
Promotional 2 year fixed (new loans only)  4.60% p.a.  6.15% p.a.  0.31% p.a.  4.29% p.a.  5.90% p.a. 
Promotional 5 year fixed (new loans only)  5.34% p.a.  6.06% p.a.  0.45% p.a.  4.89% p.a.  5.80% p.a. 
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package* Discount  Fixed Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
1 year fixed  4.64% p.a.  5.83% p.a.  0.15% p.a.  4.49% p.a.  5.58% p.a. 
2 year fixed  4.34% p.a.  5.67% p.a.  0.15% p.a.  4.19% p.a.  5.46% p.a. 
3 year fixed  4.44% p.a.  5.58% p.a.  0.15% p.a.  4.29% p.a.  5.39% p.a. 
4 year fixed  5.04% p.a.  5.68% p.a.  0.15% p.a.  4.89% p.a.  5.53% p.a. 
5 year fixed  5.04% p.a.  5.63% p.a.  0.15% p.a.  4.89% p.a.  5.50% p.a. 
Interest only  
1 year fixed  4.84% p.a.  6.33% p.a.  0.15% p.a.  4.69% p.a.  6.08% p.a. 
2 year fixed  4.60% p.a.  6.15% p.a.  0.15% p.a.  4.45% p.a.  5.93% p.a. 
3 year fixed  4.69% p.a.  6.03% p.a.  0.15% p.a.  4.54% p.a.  5.84% p.a. 
4 year fixed  5.34% p.a.  6.13% p.a.  0.15% p.a.  5.19% p.a.  5.97% p.a. 
5 year fixed  5.34% p.a.  6.06% p.a.  0.15% p.a.  5.19% p.a.  5.92% p.a. 
Basic Home Loan  Residential Investment
Term  Annual rate  Comparison rate^{1} 

Principal & Interest 

Basic Home Loan Promotional Discounted Rate Special limited time offer^{^} Rate includes 1.01% p.a. off the Basic Home Loan Rate 
4.19% p.a.  4.20% p.a. 
Basic Home Loan Rate  5.20% p.a.  5.25% p.a. 
Interest only  
Basic Home Loan Promotional Discounted Rate Special limited time offer^{^} Rate includes 0.85% p.a. off the Basic Home Loan Rate 
4.89% p.a.  4.90% p.a. 
Basic Home Loan Rate  5.74% p.a.  5.79% p.a. 
Portfolio Loan  Residential Investment
Balances 
Variable rate 

All balances  6.44% p.a. 
Get an Advantage Package* discount on Balances $150,000+
Balances  Advantage Package^{* }Limited Time Special Discount^{#}  Standard Variable Rate with Advantage Package^{*} Limited Time Special Discount^{#} 

Interest only 

$150,000  $249,999  0.60% p.a.  5.84% p.a. 
$250,000  $499,999  0.80% p.a.  5.64% p.a. 
$500,000  $749,999  0.85% p.a.  5.59% p.a. 
$750,000+  0.90% p.a.  5.54% p.a. 
Get an Advantage Package* discount on Balances $100,000+
Balances  Standard Advantage Package^{*} Discount  Variable Rate with standard Advantage Package^{*} Discount 

Interest only  
$100,000  $149,999  0.25% p.a.  6.19% p.a. 
$150,000  $249,999  0.50% p.a.  5.94% p.a. 
$250,000  $499,999  0.70% p.a.  5.74% p.a. 
$500,000  $749,999  0.70% p.a.  5.74% p.a. 
$750,000  $999,999  0.70% p.a.  5.74% p.a. 
$1 Million +  0.70% p.a.  5.74% p.a. 
Get an Advantage Package* discount on Balances $150,000+
Portfolio Loan Fixed Rate subaccounts
Promotional Offer for new Advantage Package loans from 5 June 2018
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package* promotional offer discount^^  Fixed Rate with Advantage Package* with promotional offer discount^^  Comparison rate^{1} 

Interest only  
Promotional 1 year fixed (new loans only)  4.84% p.a.  n/a  0.45% p.a.  4.39% p.a.  n/a 
Promotional 2 year fixed (new loans only)  4.60% p.a.  n/a  0.31% p.a.  4.29% p.a.  n/a 
Promotional 5 year fixed (new loans only)  5.34% p.a.  n/a  0.45% p.a.  4.89% p.a.  n/a 
Term  Annual rate  Advantage Package* Discount  Fixed Rate with Advantage Package* 

Interest only  
1 year fixed  4.84% p.a.  0.15% p.a.  4.69% p.a. 
2 year fixed  4.60% p.a.  0.15% p.a.  4.45% p.a. 
3 year fixed  4.69% p.a.  0.15% p.a.  4.54% p.a. 
4 year fixed  5.34% p.a.  0.15% p.a.  5.19% p.a. 
5 year fixed  5.34% p.a.  0.15% p.a.  5.19% p.a. 
Relocation Home Loan  Residential Investment
Term  Annual rate  Comparison rate^{1} 

Interest only 

With end loan  6.32% p.a.  6.48% p.a. 
Without end loan  6.32% p.a.  6.54% p.a. 

Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
Variable Rate  6.53% p.a.  6.78% p.a. 
Fixed Rate  
1 year fixed  5.99% p.a.  6.72% p.a. 
2 year fixed  5.99% p.a.  6.67% p.a. 
3 year fixed  6.09% p.a.  6.65% p.a. 
4 year fixed  6.39% p.a.  6.73% p.a. 
5 year fixed  6.39% p.a.  6.72% p.a. 
Interest only  
Variable Rate  7.07% p.a.  7.32% p.a. 
Fixed Rate  
1 year fixed  6.44% p.a.  7.25% p.a. 
2 year fixed  6.44% p.a.  7.19% p.a. 
3 year fixed  6.54% p.a.  7.16% p.a. 
4 year fixed  6.84% p.a.  7.23% p.a. 
5 year fixed  6.84% p.a.  7.22% p.a. 
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How to apply
The Detail
Conditions, fees and credit criteria apply:
View the terms and conditions:
 Residential Loan Agreement β General Terms and Conditions
 Portfolio Loan Agreement  General Terms and Conditions
 Loan Accounts β Charges for specific services and accounts
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 itβs right for you. If you need help, call 13 33 30.
^{1} 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.
After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type.
* Advantage Package: 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.
^^The offer is available for new loans submitted from 5 June 2018 and may be varied or withdrawn at any time. The total discount rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package. Excludes internal refinance and switches within Westpac, St. George, Bank of Melbourne, BankSA and RAMS. The Bank will apply the fixed rate that is available at the loan settlement date. $395 annual package fee. Min loan $100k.
# Limited time special discounts: These special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate Advantage Package Home Loans. These are current offers and may be withdrawn at any time. These special interest rate discounts are instead of, and cannot be taken in addition to the standard Advantage Package discounts. If you apply after the end of this offer the standard Advantage Package discounts which will apply are available at https://www.stgeorge.com.au/personal/homeloans/ourhomeloans/advantagepackage.
^ Basic Home Loan Promotional Rate:
This offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 1 December 2017. Interest rates subject to change (and margins may apply). Refer to stgeorge.com.au/personal/homeloans or call us for more information on current offers available. Excludes internal refinances and switches within St.George Banking Group.
## Rates current as at 19 September 2016 and subject to change. Excludes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. Refer to stgeorge.com.au/personal/homeloans or call us on 13 33 30 for more information on current offers available.
There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.
St.George A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).