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Changes to a range of our fixed interest rates – Wednesday, 4 November 2020  

St.George announced today a reduction in fixed interest rates for new home loan customers and existing variable rate home loan customers. The following fixed home loan rates^^ for owner occupiers on principal and interest repayments with an Advantage Package# will come into effect on Monday, 9 November 2020: 

  • 1 year owner occupier principal & interest fixed rate home loan decreasing by 0.20% p.a. to 2.09% p.a. (comparison rate 3.56% p.a.*)
  • 2 year owner occupier principal & interest fixed rate home loan decreasing by 0.20% p.a. to 2.09% p.a. (comparison rate 3.46% p.a.*)
  • 3 year owner occupier principal & interest fixed rate home loan decreasing by 0.20% p.a. to 2.09% p.a. (comparison rate 3.37% p.a.*)
  • 4 year owner occupier principal & interest fixed rate home loan decreasing by 0.80% p.a. to 1.99% p.a. (comparison rate 3.26% p.a.*)

These rates include the package discount of 0.15% p.a and are available for new loans as well as existing variable rate home loan customers looking to fix all or part of their loans. If you’re an existing variable rate home loan customer and you would like to fix all or part of your loan, speak to one our home loan experts on 13 33 30 or visit a branch. Please note, the above rates exclude any LVR^ discounts for new loans. View all other interest rates.

 

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Terms & conditions

Credit criteria, fees and charges apply. Based on St.George credit criteria, residential lending is not available for Non-Australian resident borrowers.

^^Fixed rate home loan: St.George 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.

Rate lock: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The rate lock fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 mil. For loans above $2mil, the rate lock fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

#Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The discount and fee savings apply for the duration of the package. Before deciding to get a St.George transaction account or credit card, read the terms and conditions so you can choose what’s right for you.

*Comparison rates are based on a loan of $150,000 over a term of 25 years. 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.

^LVR stands for the initial loan to value ratio at loan approval. 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 don’t change because of changes to the LVR during the life of the loan.