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

Principal & Interest  
All balances  5.30% p.a.  5.47% p.a. 
Interest only  
All balances 
5.42% p.a.  5.59% 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.  4.70% p.a.  5.09% p.a. 
$250,000  $499,999  0.80% p.a.  4.50% p.a.  4.90% p.a. 
$500,000  $749,999  0.85% p.a.  4.45% p.a.  4.85% p.a. 
$750,000+  0.90% p.a.  4.40% p.a.  4.80% p.a. 
Interest only  
$150,000  $249,999  0.60% p.a.  4.82% p.a.  5.21% p.a. 
$250,000  $499,999  0.80% p.a.  4.62% p.a.  5.01% p.a. 
$500,000  $749,999  0.85% p.a.  4.57% p.a.  4.97% p.a. 
$750,000 +  0.90% p.a.  4.52% p.a.  4.92% 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.  5.05% p.a.  5.44% p.a. 
$150,000  $249,999  0.50% p.a.  4.80% p.a.  5.19% p.a. 
$250,000  $499,999  0.70% p.a.  4.60% p.a.  5.00% p.a. 
$500,000  $749,999  0.70% p.a.  4.60% p.a.  5.00% p.a. 
$750,000  $999,999  0.70% p.a.  4.60% p.a.  5.00% p.a. 
$1 Million +  0.70% p.a.  4.60% p.a.  5.00% p.a. 
Interest only 

$100,000  $149,999  0.25% p.a.  5.17% p.a.  5.55% p.a. 
$150,000  $249,999  0.50% p.a.  4.92% p.a.  5.31% p.a. 
$250,000  $499,999  0.70% p.a.  4.72% p.a.  5.11% p.a. 
$500,000  $749,999  0.70% p.a.  4.72% p.a.  5.11% p.a. 
$750,000  $999,999  0.70% p.a.  4.72% p.a.  5.11% p.a. 
$1 Million +  0.70% p.a.  4.72% p.a.  5.11% p.a. 
Fixed Rate Home Loan  Owner Occupier
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package* Discount  Fixed Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
1 year fixed  4.54% p.a.  5.39% p.a.  0.15% p.a.  4.39% p.a.  5.15% p.a. 
2 year fixed  4.14% p.a.  5.25% p.a.  0.15% p.a.  3.99% p.a.  5.04% p.a. 
3 year fixed  4.24% p.a.  5.18% p.a.  0.15% p.a.  4.09% p.a.  5.00% p.a. 
4 year fixed  4.74% p.a.  5.27% p.a.  0.15% p.a.  4.59% p.a.  5.12% p.a. 
5 year fixed  4.54% p.a.  5.15% p.a.  0.15% p.a.  4.39% p.a.  5.02% p.a. 
Interest only  
1 year fixed  4.54% p.a.  5.50% p.a.  0.15% p.a.  4.39% p.a.  5.26% p.a. 
2 year fixed  4.14% p.a.  5.34% p.a.  0.15% p.a.  3.99% p.a.  5.14% p.a. 
3 year fixed  4.24% p.a.  5.26% p.a.  0.15% p.a.  4.09% p.a.  5.09% p.a. 
4 year fixed  4.74% p.a.  5.35% p.a.  0.15% p.a.  4.59% p.a.  5.19% p.a. 
5 year fixed  4.54% p.a.  5.22% p.a.  0.15% p.a.  4.39% p.a.  5.09% 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 0.64% p.a. off the Basic Home Loan Rate 
4.08% p.a.  4.09% p.a. 
Basic Home Loan Rate  4.72% p.a.  4.77% p.a. 
Interest only  
Basic Home Loan Promotional Discounted Rate Special limited time offer^{^} Rate includes 0.64% p.a. off the Basic Home Loan Rate 
4.20% p.a.  4.21% p.a. 
Basic Home Loan Rate  4.84% p.a.  4.89% p.a. 
Low Doc Home Loan – Owner Occupier
Term  Annual Rate  Comparison rate^{1} 

Principal & Interest  
Variable Rate  5.45% p.a.  5.65% p.a. 
Fixed Rate  
1 year fixed  4.54% p.a.  5.56% p.a. 
3 year fixed  4.24% p.a.  5.32% p.a. 
5 year fixed  4.54% p.a.  5.26% p.a. 
Interest only  
Variable Rate 
5.57% p.a.  5.77% p.a. 
Fixed Rate  
1 year fixed  4.54% p.a.  5.67% p.a. 
3 year fixed  4.24% p.a.  5.40% p.a. 
5 year fixed  4.54% p.a.  5.33% p.a. 
Relocation Home Loan  Owner Occupier
Term  Annual Rate  Comparison rate^{1} 

Interest only  
With end loan  5.42% p.a.  5.59% p.a. 
Without end loan  5.42% p.a.  5.64% p.a. 
Seniors Access Home Loan  Owner Occupier
Annual rate  Comparison rate^{1}  

Interest only  
Seniors Access  6.30% p.a.  6.49% p.a. 
Seniors Access Plus 
6.30% p.a.  6.54% p.a. 
Standard Variable Rate  Residential Investment
Balances  Standard Variable Rate  Comparison rate^{1} 

Principal & Interest  
All balances  5.55% p.a.  5.72% p.a. 
Interest only  
All balances 
5.67% p.a.  5.83% 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.  4.95% p.a.  5.34% p.a. 
$250,000  $499,999  0.80% p.a.  4.75% p.a.  5.14% p.a. 
$500,000  $749,999  0.85% p.a.  4.70% p.a.  5.09% p.a. 
$750,000+  0.90% p.a.  4.65% p.a.  5.04% p.a. 
Interest only  
$150,000  $249,999  0.60% p.a.  5.07% p.a.  5.46% p.a. 
$250,000  $499,999  0.80% p.a.  4.87% p.a.  5.26% p.a. 
$500,000  $749,999  0.85% p.a.  4.82% p.a.  5.21% p.a. 
$750,000+  0.90% p.a.  4.77% p.a.  5.16% 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.  5.30% p.a.  5.68% p.a. 
$150,000  $249,999  0.50% p.a.  5.05% p.a.  5.44% p.a. 
$250,000  $499,999  0.70% p.a.  4.85% p.a.  5.24% p.a. 
$500,000  $749,999  0.70% p.a.  4.85% p.a.  5.24% p.a. 
$750,000  $999,999  0.70% p.a.  4.85% p.a.  5.24% p.a. 
$1 Million +  0.70% p.a.  4.85% p.a.  5.24% p.a. 
Interest only 

$100,000  $149,999  0.25% p.a.  5.42% p.a.  5.80% p.a. 
$150,000  $249,999  0.50% p.a.  5.17% p.a.  5.55% p.a. 
$250,000  $499,999  0.70% p.a.  4.97% p.a.  5.36% p.a. 
$500,000  $749,999  0.70% p.a.  4.97% p.a.  5.36% p.a. 
$750,000  $999,999  0.70% p.a.  4.97% p.a.  5.36% p.a. 
$1 Million +  0.70% p.a.  4.97% p.a.  5.36% p.a. 
Fixed Rate Home Loan  Residential Investment
Term  Annual rate  Comparison rate^{1} (secured loan)  Advantage Package* Discount  Fixed Rate with Advantage Package*  Comparison rate^{1} 

Principal & Interest  
1 year fixed  4.79% p.a.  5.64% p.a.  0.15% p.a.  4.64% p.a.  5.40% p.a. 
2 year fixed  4.34% p.a.  5.49% p.a.  0.15% p.a.  4.19% p.a.  5.28% p.a. 
3 year fixed  4.44% p.a.  5.41% p.a.  0.15% p.a.  4.29% p.a.  5.23% p.a. 
4 year fixed  4.99% p.a.  5.52% p.a.  0.15% p.a.  4.84% p.a.  5.36% p.a. 
5 year fixed  4.74% p.a.  5.37% p.a.  0.15% p.a.  4.59% p.a.  5.24% p.a. 
Interest only  
1 year fixed  4.79% p.a.  5.75% p.a.  0.15% p.a.  4.64% p.a.  5.50% p.a. 
2 year fixed  4.34% p.a.  5.58% p.a.  0.15% p.a.  4.19% p.a.  5.37% p.a. 
3 year fixed  4.44% p.a.  5.50% p.a.  0.15% p.a.  4.29% p.a.  5.32% p.a. 
4 year fixed  4.99% p.a.  5.59% p.a.  0.15% p.a.  4.84% p.a.  5.44% p.a. 
5 year fixed  4.74% p.a.  5.44% p.a.  0.15% p.a.  4.59% p.a.  5.31% 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 0.68% p.a. off the Basic Home Loan Rate 
4.29% p.a.  4.30% p.a. 
Basic Home Loan Rate  4.97% p.a.  5.02% p.a. 
Interest only  
Basic Home Loan Promotional Discounted Rate Special limited time offer^{^} Rate includes 0.68% p.a. off the Basic Home Loan Rate 
4.41% p.a.  4.42% p.a. 
Basic Home Loan Rate  5.09% p.a.  5.14% p.a. 
Low Doc Home Loan – Residential Investment
Term  Annual Rate  Comparison rate^{1} 

Principal & Interest  
Variable Rate  5.70% p.a.  5.90% p.a. 
Fixed Rate  
1 year fixed  4.79% p.a.  5.81% p.a. 
3 year fixed  4.44% p.a.  5.55% p.a. 
5 year fixed  4.74% p.a.  5.49% p.a. 
Interest only  
Variable Rate 
5.82% p.a.  6.02% p.a. 
Fixed Rate  
1 year fixed  4.79% p.a.  5.91% p.a. 
3 year fixed  4.44% p.a.  5.64% p.a. 
5 year fixed  4.74% p.a.  5.56% p.a. 
Portfolio Loan  Residential Investment
Balances 
Variable rate 

All balances  5.79% 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.  5.19% p.a. 
$250,000  $499,999  0.80% p.a.  4.99% p.a. 
$500,000  $749,999  0.85% p.a.  4.94% p.a. 
$750,000+  0.90% p.a.  4.89% 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.  5.54% p.a. 
$150,000  $249,999  0.50% p.a.  5.29% p.a. 
$250,000  $499,999  0.70% p.a.  5.09% p.a. 
$500,000  $749,999  0.70% p.a.  5.09% p.a. 
$750,000  $999,999  0.70% p.a.  5.09% p.a. 
$1 Million +  0.70% p.a.  5.09% p.a. 
Get an Advantage Package* discount on Balances $150,000+
Portfolio Loan Fixed Rate subaccounts
Term  Annual rate  Advantage Package* Discount  Fixed Rate with Advantage Package* 

Interest only  
1 year fixed  4.79% p.a.  0.15% p.a.  4.64% p.a. 
2 year fixed  4.34% p.a.  0.15% p.a.  4.19% p.a. 
3 year fixed  4.44% p.a.  0.15% p.a.  4.29% p.a. 
4 year fixed  4.99% p.a.  0.15% p.a.  4.84% p.a. 
5 year fixed  4.74% p.a.  0.15% p.a.  4.59% p.a. 
Relocation Home Loan  Residential Investment
Term  Annual rate  Comparison rate^{1} 

Interest only 

With end loan  5.67% p.a.  5.83% p.a. 
Without end loan  5.67% p.a.  5.89% p.a. 

Term  Annual rate  Comparison rate^{1} 

Principal & Interest  
Variable Rate  5.90% p.a.  6.15% p.a. 
Fixed Rate  
1 year fixed  5.19% p.a.  6.08% p.a. 
2 year fixed  4.99% p.a.  5.97% p.a. 
3 year fixed  5.09% p.a.  5.92% p.a. 
4 year fixed  5.39% p.a.  5.97% p.a. 
5 year fixed  5.39% p.a.  5.93% p.a. 
Interest only  
Variable Rate  6.02% p.a.  6.27% p.a. 
Fixed Rate  
1 year fixed  5.19% p.a.  6.18% p.a. 
2 year fixed  4.99% p.a.  6.07% p.a. 
3 year fixed  5.09% p.a.  6.01% p.a. 
4 year fixed  5.39% p.a.  6.04% p.a. 
5 year fixed  5.39% p.a.  6.00% p.a. 
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How to apply
Important information
Conditions, fees and credit criteria apply:
View the terms and conditions:
 Residential Loan Agreement – General Terms and Conditions
 Loan Accounts – Charges for specific services and accounts
 Portfolio Loan Agreement  General Terms and Conditions
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.
^{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 period, the rate reverts to the applicable Standard Variable Rate based on your 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.
# 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 http://www.stgeorge.com.au/personal/homeloans/ourhomeloans/popular/advantagepackage.
Basic Home Loan Promotional Rate: 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. Interest rates subject to change (and margins may apply). 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.
## 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/homeloans or call us 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 Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.