Fixed Rate Home Loan

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 (PDF 284KB)

Loan Accounts – Charges for specific services and accounts (PDF 183KB)

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 Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters..

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. 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 69KB).
   
   
4. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you.
   
   
5. 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 69KB).
   
   
6. 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.