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Home loan interest rates


Standard Variable Rate  - Owner Occupier

Balances Standard Variable Rate   Comparison rate1
Principal & Interest
All balances 5.36% p.a. 5.53% p.a.
Interest only
All balances
5.95% p.a. 6.11% p.a.

Get an Advantage Package* discount on Balances $150,000+

 

Balances Advantage PackageLimited Time Special Discount# Standard Variable Rate with Advantage Package* Limited Time Special Discount# Comparison rate1
Principal & Interest  
$150,000 - $249,999 0.60% p.a. 4.76% p.a. 5.15% p.a.
$250,000 - $499,999 0.80% p.a. 4.56% p.a. 4.96% p.a.
$500,000 - $749,999 0.85% p.a. 4.51% p.a. 4.91% p.a.
$750,000+ 0.90% p.a. 4.46% p.a. 4.86% p.a.
Interest only  
$150,000 - $249,999 0.60% p.a. 5.35% p.a. 5.73% p.a.
$250,000 - $499,999 0.80% p.a. 5.15% p.a. 5.53% p.a.
$500,000 - $749,999 0.85% p.a. 5.10% p.a. 5.49% p.a.
$750,000 + 0.90% p.a. 5.05% p.a. 5.44% p.a.

Get an Advantage Package* discount on Balances $100,000+

 

Balances Standard Advantage Package* Discount Standard Variable Rate with Advantage Package* Comparison rate1
Principal & Interest
$100,000 - $149,999 0.25% p.a. 5.11% p.a. 5.50% p.a.
$150,000 - $249,999 0.50% p.a. 4.86% p.a. 5.25% p.a.
$250,000 - $499,999 0.70% p.a. 4.66% p.a. 5.05% p.a.
$500,000 - $749,999 0.70% p.a. 4.66% p.a. 5.05% p.a.
$750,000 - $999,999 0.70% p.a. 4.66% p.a. 5.05% p.a.
$1 Million + 0.70% p.a. 4.66% p.a. 5.05% p.a.
Interest only
$100,000 - $149,999 0.25% p.a. 5.70% p.a. 6.07% p.a.
$150,000 - $249,999 0.50% p.a. 5.45% p.a. 5.83% p.a.
$250,000 - $499,999 0.70% p.a. 5.25% p.a. 5.63% p.a.
$500,000 - $749,999 0.70% p.a. 5.25% p.a. 5.63% p.a.
$750,000 - $999,999 0.70% p.a. 5.25% p.a. 5.63% p.a.
$1 Million + 0.70% p.a. 5.25% p.a. 5.63% p.a.

Fixed Rate Home Loan - Owner Occupier

Term Annual rate   Comparison rate1 (secured loan) Advantage Package* Discount Fixed Rate with Advantage Package* Comparison rate1
Principal & Interest
1 year fixed 4.24% p.a. 5.42% p.a. 0.15% p.a. 4.09% p.a. 5.18% p.a.
2 year fixed 3.90% p.a. 5.25% p.a. 0.15% p.a. 3.75% p.a. 5.05% p.a.
3 year fixed 4.00% p.a. 5.16% p.a. 0.15% p.a. 3.85% p.a. 4.98% p.a.
4 year fixed 4.54% p.a. 5.24% p.a. 0.15% p.a. 4.39% p.a. 5.09% p.a.
5 year fixed 4.54% p.a. 5.18% p.a. 0.15% p.a. 4.39% p.a. 5.06% p.a.
Interest only
1 year fixed 4.74% p.a. 5.99% p.a. 0.15% p.a. 4.59% p.a. 5.74% p.a.
2 year fixed 4.64% p.a. 5.86% p.a. 0.15% p.a. 4.49% p.a. 5.65% p.a.
3 year fixed 4.74% p.a. 5.78% p.a. 0.15% p.a. 4.59% p.a. 5.59% p.a.
4 year fixed 5.14% p.a. 5.82% p.a. 0.15% p.a. 4.99% p.a. 5.67% p.a.
5 year fixed 5.24% p.a. 5.81% p.a. 0.15% p.a. 5.09% p.a. 5.68% p.a.


Basic Home Loan
 - Owner Occupier  

Term Annual Rate   Comparison rate1
Principal & Interest

Basic Home Loan Promotional Discounted Rate

Special offer^

Rate includes 0.90% p.a. off the Basic Home Loan Rate

3.88% p.a. 3.89% p.a.
Basic Home Loan Rate 4.78% p.a. 4.83% p.a.
Interest only
Basic Home Loan Rate 5.37% p.a. 5.42% p.a.


Relocation Home Loan
  - Owner Occupier

Term Annual Rate   Comparison rate1
Interest only
With end loan 5.95% p.a. 6.11% p.a.
Without end loan 5.95% p.a. 6.17% p.a.


Standard Variable Rate  - Residential Investment

Balances Standard Variable Rate   Comparison rate1
Principal & Interest
All balances 5.92% p.a. 6.08% p.a.
Interest only
All balances
6.46% p.a. 6.62% p.a.

Get an Advantage Package* discount on Balances $150,000+

 

Balances Advantage PackageLimited Time Special Discount# Standard Variable Rate  with Advantage Package* Limited Time Special Discount# Comparison rate1
Principal & Interest
$150,000 - $249,999 0.60% p.a. 5.32% p.a. 5.70% p.a.
$250,000 - $499,999 0.80% p.a. 5.12% p.a. 5.50% p.a.
$500,000 - $749,999 0.85% p.a. 5.07% p.a. 5.46% p.a.
$750,000+ 0.90% p.a. 5.02% p.a. 5.41% p.a.
Interest only
$150,000 - $249,999 0.60% p.a. 5.86% p.a. 6.23% p.a.
$250,000 - $499,999 0.80% p.a. 5.66% p.a. 6.04% p.a.
$500,000 - $749,999 0.85% p.a. 5.61% p.a. 5.99% p.a.
$750,000+ 0.90% p.a. 5.56% p.a. 5.94% p.a.

Get an Advantage Package* discount on Balances $100,000+

 

Balances Standard Advantage Package* Discount Standard Variable Rate with Advantage Package* Comparison rate1
Principal & Interest
$100,000 - $149,999 0.25% p.a. 5.67% p.a. 6.04% p.a.
$150,000 - $249,999 0.50% p.a. 5.42% p.a. 5.80% p.a.
$250,000 - $499,999 0.70% p.a. 5.22% p.a. 5.60% p.a.
$500,000 - $749,999 0.70% p.a. 5.22% p.a. 5.60% p.a.
$750,000 - $999,999 0.70% p.a. 5.22% p.a. 5.60% p.a.
$1 Million + 0.70% p.a. 5.22% p.a. 5.60% p.a.
Interest only
$100,000 - $149,999 0.25% p.a. 6.21% p.a. 6.58% p.a.
$150,000 - $249,999 0.50% p.a. 5.96% p.a. 6.33% p.a.
$250,000 - $499,999 0.70% p.a. 5.76% p.a. 6.13% p.a.
$500,000 - $749,999 0.70% p.a. 5.76% p.a. 6.13% p.a.
$750,000 - $999,999 0.70% p.a. 5.76% p.a. 6.13% p.a.
$1 Million + 0.70% p.a. 5.76% p.a. 6.13% p.a.

Fixed Rate Home Loan - Residential Investment

Term Annual rate   Comparison rate1 (secured loan) Advantage Package* Discount Fixed Rate with Advantage Package* Comparison rate1
Principal & Interest
1 year fixed 4.64% p.a. 5.95% p.a. 0.15% p.a. 4.49% p.a. 5.71% p.a.
2 year fixed 4.14% p.a. 5.74% p.a. 0.15% p.a. 3.99% p.a. 5.53% p.a.
3 year fixed 4.34% p.a. 5.65% p.a. 0.15% p.a. 4.19% p.a. 5.47% p.a.
4 year fixed 5.04% p.a. 5.77% p.a. 0.15% p.a. 4.89% p.a. 5.61% p.a.
5 year fixed 4.74% p.a. 5.58% p.a. 0.15% p.a. 4.59% p.a. 5.45% p.a.
Interest only
1 year fixed 4.54% p.a. 6.42% p.a. 0.15% p.a. 4.39% p.a. 6.17% p.a.
2 year fixed 4.44% p.a. 6.23% p.a. 0.15% p.a. 4.29% p.a. 6.01% p.a.
3 year fixed 4.69% p.a. 6.12% p.a. 0.15% p.a. 4.54% p.a. 5.94% p.a.
4 year fixed 5.34% p.a. 6.22% p.a. 0.15% p.a. 5.19% p.a. 6.06% p.a.
5 year fixed 5.04% p.a. 6.01% p.a. 0.15% p.a. 4.89% p.a. 5.87% p.a.


Basic Home Loan - Residential Investment 

Term Annual rate Comparison rate1
Principal & Interest
   

Basic Home Loan Promotional Discounted Rate

Special offer^^

Rate includes 1.1% p.a. off the Basic Home Loan Rate

4.24% p.a. 4.25% p.a.
Basic Home Loan Rate 5.34% p.a. 5.39% p.a.
Interest only

Basic Home Loan Promotional Discounted Rate

Special offer^

Rate includes 0.8% p.a. off the Basic Home Loan Rate

5.08% p.a. 5.09% p.a.
Basic Home Loan Rate 5.88% p.a. 5.93% p.a.


Portfolio Loan
- Residential Investment

Balances
Variable rate
All balances   6.58% p.a.

Get an Advantage Package* discount on Balances $150,000+

 

Balances Advantage PackageLimited Time Special Discount# Standard Variable Rate with Advantage Package* Limited Time Special Discount#
Interest only
   
$150,000 - $249,999 0.60% p.a. 5.98% p.a.
$250,000 - $499,999 0.80% p.a. 5.78% p.a.
$500,000 - $749,999 0.85% p.a. 5.73% p.a.
$750,000+ 0.90% p.a. 5.68% 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. 6.33% p.a.
$150,000 - $249,999 0.50% p.a. 6.08% p.a.
$250,000 - $499,999 0.70% p.a. 5.88% p.a.
$500,000 - $749,999 0.70% p.a. 5.88% p.a.
$750,000 - $999,999 0.70% p.a. 5.88% p.a.
$1 Million + 0.70% p.a. 5.88% p.a.

Get an Advantage Package* discount on Balances $150,000+


Portfolio Loan Fixed Rate sub-accounts

Term   Annual rate Advantage Package* Discount Fixed Rate with Advantage Package*
Interest only      
1 year fixed 4.54% p.a. 0.15% p.a. 4.39% p.a.
2 year fixed 4.44% p.a. 0.15% p.a. 4.29% 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 5.04% p.a. 0.15% p.a. 4.89% p.a.


Relocation Home Loan
  - Residential Investment

Term Annual rate Comparison rate1
Interest only
With end loan 6.46% p.a. 6.62% p.a.
Without end loan 6.46% p.a. 6.68% p.a.


Super Fund Home Loan
 β€“ Residential Investment

Loan type not available for applications after 30 July 2018

Term Annual rate Comparison rate1
Principal & Interest
Variable Rate 6.67% p.a. 6.92% p.a.
Fixed Rate
1 year fixed 5.99% p.a. 6.85% p.a.
2 year fixed 5.99% p.a. 6.78% p.a.
3 year fixed 6.09% p.a. 6.75% p.a.
4 year fixed 6.39% p.a. 6.82% p.a.
5 year fixed 6.39% p.a. 6.79% p.a.

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The Detail

Credit criteria, fees and charges apply. Based on St.George credit criteria, residential lending is not available for Non-Australian Resident borrowers. There may be tax consequences arising from promotions for investors and customers should seek independent taxation advice on any taxation matters.

Please read the terms and conditions 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.

Fixed Rates: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.

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 example(s) given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Advantage Package: Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transactional account.

# Special discounts:
The special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate taken as part of an Advantage Package Home Loan. The current offers may be varied or withdrawn at any time. The special interest rate discounts are inclusive of the standard Advantage package discount. If you apply after the end of this offer the standard Advantage Package discounts will apply.

^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 19 September 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change. 

^^ Basic Home Loan Promotional Rate:
This offer is only available for new Basic Home Loan applications received from 7 November 2018. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.