Why choose a Fixed Rate Home Loan?
Give your budget a hand by knowing exactly what your payments will be with a fixed rate home loan
You also get…
Family Pledge
Use the equity in a family member’s home to help you on your home buying journey and maximise the amount you can borrow. Learn more
At the end of your fixed rate period
Choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate6.
Package and save
With a St.George Advantage Package you could get discounted interest rates and fees when you package your home loan, credit card and transaction account4.
Flexible repayments
Choose to make your repayments weekly, fortnightly or monthly7.
New Owner Occupier Loans
-
3.14% p.a 2 year Fixed Rate
with Advantage Package.4
Principal & Interest repayments.
LVR+ above 60% up to 80% -
3.93% p.a Comparison rate5
New Residential Investment Loans
-
3.59% p.a 2 year Fixed Rate
with Advantage Package.4
Principal & Interest repayments.
LVR+ above 60% up to 80% -
4.45% p.a Comparison rate5
Fees
-
$600 Establishment Fee3
-
$10 Monthly administration fee
-
OR
-
$0 with Advantage Package4
Calculators
View all rates
Property market research
The Detail
Start your journey online
Conditions, fees and credit criteria apply.
Before making a decision, it’s best to read the terms and conditions:
- Residential Loan Agreement – General Terms and Conditions (PDF 281KB)
- Loan Accounts – Charges for specific services and accounts (PDF 183KB)
- Advantage Package - Terms and Conditions (PDF 178KB)
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 1300 000 266 Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters..
- Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.
- A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a St.George transaction account.
- Upfront fees and other fees and charges may apply.
- 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.
- Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- If at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type, then a break cost and switch fee may apply. Switch break costs are explained in the Things You Should Know About Break Costs (PDF 1MB).
- If you make a prepayment beyond the prepayment threshold or change to another repayment type then break costs and fees may apply. Customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break costs or fees applying. For fixed rate loans taken up after 18 August 2019, customers can make prepayments of up to the $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 1MB).
+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.