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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 rate6.

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 monthly7.

Owner Occupier Loans

  • 3.75% p.a 2 year Fixed Rate
    with Advantage Package.4
    Principal & Interest repayments.
  • 5.05% p.a Comparison rate5

Residential Investment Loans

  • 3.99% p.a 2 year Fixed Rate
    with Advantage Package.4
    Principal & Interest repayments.
  • 5.53% p.a Comparison rate5

Fees

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

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.

A simple way to apply for a St.George home loan

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Borrowing power
Find out your buying power so you could start house hunting with confidence – we’ll even show you what you could afford to spend on a property and costs involved.
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Our lowest rate
We’ll give you our lowest rate upfront, personalised to your buying scenario.
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Property valuation
If you’ve found the perfect property (or you’re refinancing), we will complete a real-time bank valuation to give you the confidence we will lend against the property.
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Real support
Need help? You can live chat with us to help you complete the application 7 days a week (even outside of business hours).

Talk to us

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 1300 000 266.

  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 Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The discount and fee savings apply for the duration of the package.

  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 example(s) given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  6. 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 1MB).

  7. 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 $10,000 prepayment threshold in each 12 month period without break costs or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 1MB).

Credit criteria, fees and charges apply. Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines. Personalised rate: variable interest rates are subject to change, the rate discount is valid for 14 days. For fixed rates, discounts are valid for 5 days. Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun. St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.