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 rate.
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 monthly.
New Owner Occupier Loans
-
3.85 p.a 3 year Fixed Rate.
Advantage Package.4
Includes a 0.29% p.a. ^^ discount.
Principal & Interest repayments. -
4.88% p.a Comparison rate5
New Residential Investment Loans
-
3.99% p.a 2 year Fixed Rate.
Advantage Package.4
Includes a 0.35% p.a. ^^ discount.
Principal & Interest repayments. -
5.42% p.a
Comparison rate.5
Fees
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$600 Establishment Fee3
-
$10 Monthly administration fee
-
OR
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$0 with Advantage Package4
View all rates
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The Detail
Talk to us
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 260KB)
- Loan Accounts – Charges for specific services and accounts (PDF 1MB)
- Advantage Package - Terms and Conditions (PDF 2MB)
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.
- 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 annual fee of currently $395 applies, other fees may be payable. The fee savings apply for the duration of the package. Contact St.George to see if you are eligible to receive Advantage Package benefits.
^^ The offer is available for new loans submitted from 5 June 2018 and may be varied or withdrawn at any time. The total discount rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package. Excludes internal refinance and switches within Westpac, St. George, Bank of Melbourne, BankSA and RAMS. The Bank will apply the fixed rate that is available at the loan settlement date. $395 annual package fee. Min loan $100k. $395 annual package fee. Min loan $100k.
- The comparison rate is based on a loan of $150,000 over a 25 year term. 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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.