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Our home loans

We have home loans for a number of circumstances ranging from standard home loans to loans for the self-employed

Advantage Package

  • Save with package discounts on home loan interest rates and fees1
  • A package deal for your home loan, credit card and transaction account.

Standard Variable Rate Loan

  • Great features including full interest offset and redraw
  • Get a competitive variable interest rate without being locked in for a set term.

Fixed Rate Home Loan

  • Choose a fixed rate for 1 to 5 years
  • Know exactly where you stand with your budget and what you’ll need to pay
  • Save with a partial interest offset.

Portfolio Loan

  • A flexible line of credit that combines your personal and investment finances into one facility
  • Create up to 10 sub-accounts2 in your Portfolio Loan and access your equity while you pay off your home loan.

Basic Home Loan

  • A basic, no frills home loan with a low variable interest rate
  • $0 monthly establishment fee special offer for a limited time^
  • $0 monthly service fee
  • Flexible repayment options.

Low Doc Home Loan

  • Ideal for self-employed people or business owners
  • Choose a Fixed Rate, a Variable Rate or a combination of both for your Low Doc Home Loan.

Seniors Access Home Loan

  • Only available to homeowners who are at least 63 years of age
  • Apply to borrow from $10,000 to $250,000 depending on the age of all applicants, your property’s value (which St.George will determine) and its location.

How to apply

Important information

^ This offer is only available for new Basic Home Loan applications received from 25 February 2014. This is a current offer which may be withdrawn at any time. If you apply after the end of this offer the interest rate which will apply is the standard Basic Variable Rate without any discount. This offer does not apply to internal refinances and is not transferable between loans, and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

1. Advantage Package annual fee of $395 applies, other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.
2. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.