Fixed rate home loan
Lock in a little certainty with a fixed interest rate for 1-5 years.
Why choose our Fixed Rate Home Loan?
Flexible repayments
Choose to make your repayments weekly, fortnightly or monthly4.
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.
Package and save
A bundle of discounts and fee waivers, with a 0.20% p.a. fixed home loan interest rate discount and no annual credit card fee, for a $395 annual package fee#. Tell me more
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.
Fixed Rate Home Loan
For new Owner Occupier (Principal & Interest) packaged# home loans, $395 annual package fee applies. LVR+ up to 70%. If you’re an existing St.George Home Loan customer, find out how to manage your home loan.
| 5.69% p.a. 1 year fixed rate |
6.25% p.a. Comparison rate* |
| 5.79% p.a. 2 year fixed rate |
6.25% p.a. Comparison rate* |
| 5.89% p.a. 3 year fixed rate |
6.27% p.a. Comparison rate* |
| 5.89% p.a. 4 year fixed rate |
6.27% p.a. Comparison rate* |
| 5.89% p.a. 5 year fixed rate |
6.27% p.a. Comparison rate* |
Fees |
|
| $0 | Lending establishment fee |
| $0 | Loan account fee |
| $395 | with Advantage Package# |
| 0.15% | Fixed rate - lock-in fee (minimum fee amount $500) |
What is Rate Lock and how do I apply?
With the Rate Lock feature, you can lock in the current fixed interest rate. This way, for a fee, you are protected from the possibility of rising interest rates. If the current rate falls below your 'locked in’ rate on your settlement date, you'll be given the lower rate. Rate Lock will hold the current fixed rate for up to 90 days after you have locked in the rate for a fee of 0.15% of the loan amount (minimum fee amount $500, maximum charge is capped at $1,000 for loans up to $2M, and 0.15% of the loan amount for loan above $2M).
To apply for the Rate Lock feature, you can speak directly with your Home Finance Manager or Broker.
It's easy to get started
Save time, apply online
Apply online for a home loan, conditional approval or to switch to us.
- You could get approval in 1 business day
- Dedicated lender will support you from application to settlement.
Book an appointment
A member of our team will be in touch.
- They’ll answer your questions and guide you through your next steps.
- A lender can start your application for you.
Compare our home loans
See at a glance how features differ by product.
Home loan interest rates
View our latest interest rates for a range of St.George home loans to suit your needs. Compare our variable and fixed interest rates for owner occupiers and investors and options for principal and interest or interest only repayments.
Important information
Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 147KB)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.
#Advantage Package: Terms & Conditions (PDF 1MB) apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is right for you.
*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. 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.
**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.
+LVR stands for the initial loan to value ratio. 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 won’t change during the life of the loan as the LVR changes.
^^ FASTRefi®: Only available: on eligible new St.George home loans; on eligible home loans with your current lender; if your other lender is on the FASTRefi® process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the FASTRefi® product is determined by St.George in conjunction with the insurance product guidelines. FASTRefi® is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider FASTRefi’s® appropriateness and read the disclosure documents for your selected loan, including the Terms and Conditions, before deciding.
1Rate Lock: St.George will apply the fixed rate available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.
Fixed rate home loan: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.
2A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a St.George transaction account.
3If 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 fee may apply. Switch break costs are explained in the Things You Should Know About Break Costs.
4Break costs: $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 202KB).