Fixed Rate Home Loan

Home Loans
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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

Fixed rate interest term
Choose a fixed interest rate from 1 to 5 years.
Lock in a fixed rate
Lock in your fixed rate when you apply, so if rates rise before you settle, you won’t be affected (fees apply)1.
Interest in advance
Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period2.

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.

Owner occupier

  • 3.85% p.a 2 year Fixed Rate.
    Advantage Package.
    Principal & Interest repayments.4
  • 4.95% p.a Comparison rate5

Residential Investment

  • 4.19% p.a 2 year Fixed Rate.
    Advantage Package.
    Principal & Interest repayments.4
  • 5.46% p.a

    Comparison rate.5

     

Fees

  • $600 Establishment Fee3
  • $10 Monthly Administration fee
  • OR
  • $0 with Advantage Package4

Find my rate

View all rates

The Detail

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.
Loan Accounts
Charges for specific services and accounts.
Advantage package
Terms and Conditions.

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 13 33 30.

Start your journey online

Learn how much you could borrow, without knowing the loan type.
Receive indicative approval in under 10 minutes.
A home loan expert will call to talk you through your options.
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A St.George home loan expert will will call you back.

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Call us on

13 33 30

To talk with a St.George home loan expert, say "New home loan" when prompted.

Visit a branch

Find your nearest branch or mobile lender.

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Not right? Try these

Standard Variable

With an offset account

Basic

A no frills loan

Find More

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

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 13 33 30.

  1. Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.

  2. A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a St.George transaction account.

  3. Upfront fees and other fees and charges may apply.

  4. 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.

  5. 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.