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 rate3.
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 monthly5.
Get a roarsome fixed rate
One low rate, fixed from 1-3 years.
For New Owner Occupier (Principal & Interest), Advantage Package Home Loans. LVR+ above 60% up to 80%. $395 annual package fee.
| 2.24% p.a. 1 year fixed rate |
3.53% p.a. Comparison rate* |
| 2.24% p.a. 2 year fixed rate |
3.45% p.a. Comparison rate* |
| 2.24% p.a. 3 year fixed rate |
3.38% p.a. Comparison rate* |
Fees |
|
| $600 | Establishment Fee6 |
| $10 | Monthly administration fee |
| OR | |
| $0 | with Advantage Package4 |
T&C's apply. See comparison rate warning.
Calculators
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The Detail
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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 224KB)
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.
- 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 152KB).
- 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.
- 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 $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 152KB).
- Upfront fees and other fees and charges may apply.
*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.
+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.