Fixed Rate Home Loan
- Choose a fixed interest rate term of 1 to 5 years
- Know exactly where you stand with your budget and what you’ll need to pay
- At the end of the fixed rate period, re-fix your interest rate for another fixed rate period or your loan will revert automatically to our standard variable interest rate
- On investment loans, choose to pay interest in advance and get 0.2% p.a. off the fixed interest rate for the interest in advance period1.
A St.George home loan expert will contact you at your preferred time.
Fix your interest rate |
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Choice of loan term & repayments |
Fixed terms up to 5 years, with a choice of principal and interest or interest only repayments. |
Package and save! |
You could get discounted interest rates and fees with a St.George Advantage Package – a package deal for your home loan, credit card and transaction account4. |
For homes or vacant land |
Available to owners and investors for homes or vacant land purchase. |
Great features! |
Features include discounted rates, redraw2, rate lock, a partial interest offset facility, repayment pause and more! |
Discover your borrowing power! |
Fees |
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Save when you package your home loan, selected credit card and transaction account with Advantage Package, an annual package fee of $395 applies. |
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Establishment fee |
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Monthly Administration fee |
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Get an Advantage Package4 discount on Balances $150,000+ |
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Owner occupier interest rates
| Term | Annual rate | Comparison rate1 (secured loan) | Advantage Package* Discount | Fixed Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 4.14% p.a. | 5.35% p.a. | 0.15% p.a. | 3.99% p.a. | 5.11% p.a. |
| 2 year fixed | 4.14% p.a. | 5.25% p.a. | 0.15% p.a. | 3.99% p.a. | 5.04% p.a. |
| 3 year fixed | 4.03% p.a. | 5.12% p.a. | 0.15% p.a. | 3.88% p.a. | 4.95% p.a. |
| 4 year fixed | 4.54% p.a. | 5.20% p.a. | 0.15% p.a. | 4.39% p.a. | 5.05% p.a. |
| 5 year fixed | 4.54% p.a. | 5.15% p.a. | 0.15% p.a. | 4.39% p.a. | 5.02% p.a. |
| Interest only | |||||
| 1 year fixed | 4.59% p.a. | 5.58% p.a. | 0.15% p.a. | 4.44% p.a. | 5.33% p.a. |
| 2 year fixed | 4.59% p.a. | 5.49% p.a. | 0.15% p.a. | 4.44% p.a. | 5.28% p.a. |
| 3 year fixed | 4.69% p.a. | 5.44% p.a. | 0.15% p.a. | 4.54% p.a. | 5.26% p.a. |
| 4 year fixed | 4.99% p.a. | 5.49% p.a. | 0.15% p.a. | 4.84% p.a. | 5.33% p.a. |
| 5 year fixed | 4.99% p.a. | 5.45% p.a. | 0.15% p.a. | 4.84% p.a. | 5.32% p.a. |
Residential investment interest rates
| Term | Annual rate | Comparison rate1 (secured loan) | Advantage Package* Discount | Fixed Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 4.34% p.a. | 5.80% p.a. | 0.15% p.a. | 4.19% p.a. | 5.56% p.a. |
| 2 year fixed | 4.34% p.a. | 5.67% p.a. | 0.15% p.a. | 4.19% p.a. | 5.46% p.a. |
| 3 year fixed | 4.14% p.a. | 5.49% p.a. | 0.15% p.a. | 3.99% p.a. | 5.31% p.a. |
| 4 year fixed | 4.74% p.a. | 5.58% p.a. | 0.15% p.a. | 4.59% p.a. | 5.42% p.a. |
| 5 year fixed | 4.74% p.a. | 5.50% p.a. | 0.15% p.a. | 4.59% p.a. | 5.37% p.a. |
| Interest only | |||||
| 1 year fixed | 4.79% p.a. | 6.02% p.a. | 0.15% p.a. | 4.64% p.a. | 5.78% p.a. |
| 2 year fixed | 4.79% p.a. | 5.91% p.a. | 0.15% p.a. | 4.64% p.a. | 5.70% p.a. |
| 3 year fixed | 4.89% p.a. | 5.84% p.a. | 0.15% p.a. | 4.74% p.a. | 5.66% p.a. |
| 4 year fixed | 5.19% p.a. | 5.86% p.a. | 0.15% p.a. | 5.04% p.a. | 5.70% p.a. |
| 5 year fixed | 5.19% p.a. | 5.80% p.a. | 0.15% p.a. | 5.04% p.a. | 5.67% p.a. |
Repayment options for Fixed Rate Home Loans
Frequency
Choose either:
- Principal and interest repayments, or
- Interest only repayments
Weekly |
Fortnightly |
Monthly |
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Loans with Principal and interest repayments |
yes |
yes |
yes |
Interest only loans |
no |
no |
yes |
Learn more:
Additional payments |
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Automatic repayments |
Set up convenient automatic repayments from your nominated account. |
Interest in advance |
On investment loans, choose to pay interest in advance and get 0.2% p.a. off the fixed interest rate for the interest in advance period1. |
Provides interest rates discounts, fee reductions or waivers, discounts on home/investment loans as well as other useful day to day banking products like transaction accounts, transaction accounts, credit cards, insurance and wealth management products. |
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An interest offset account is a transaction account linked to a home loan which reduces the interest charged on the home loan. No credit interest will be earned on the balance in the linked transaction account. |
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Pay off your loan earlier and pay less interest by making additional repayments. You have same day access to redraw your extra repayments. Redraw fee may apply depending on the product (and/or means by which the redraw is made). Any party to the loan can access the available redraw amount. The bank has a discretion to suspend redraws. Limits apply to extra repayments. |
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Lock in your fixed rate at the time you apply, so if rates rise while you’re property hunting you won’t be disadvantaged (fees apply). If rates fall between application and settlement date, there is no advantage as the rate that applies is the one at time of application. |
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Uses the equity in a family member’s home to reduce or eliminate the need for lenders mortgage insurance. The value of the pledge is limited to the amount needed (when combined with your deposit) so that it equals 20% of the value of the property being purchased. Legal advice is required for the family pledge guarantor. |
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Consider splitting your loan |
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You may be able to pause or reduce your repayments for a set period (keep in mind, after the break your repayments may be higher for the rest of your loan term). |
Apply online |
Apply now. It takes just 10 minutes! |
Enquire online |
Enquire now and a St.George home loan expert will call at your preferred time. |
Call us |
To talk with a St.George home loan expert, say “New Mortgage” when prompted. |
Visit a branch |
Find your nearest branch |
What you’ll need to apply |
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Tips |
Try our handy home loan calculators
If you’re a first home buyer, you may be eligible for the government’s First Home Owner Grant |
How to apply
Important information
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
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.
* Advantage Package: Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.
1. A discount of 0.20% p.a. will apply only if the interest in advance amount is deducted from a St George transaction account.
2. Redraw, repayment pause and rate lock requests are subject to our approval. Fees apply.
3. Other upfront fees and costs may apply.
4. Advantage Package annual fee of $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.
6. Excludes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. Refer to stgeorge.com.au/homeloans or call us for more information on current offers available.