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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.

New Owner Occupier Loans

  • 3.85 p.a 3 year Fixed Rate.
    Advantage Package.4
    Includes a 0.29% p.a. ^^ discount.
    Principal & Interest repayments.
  • 4.88% p.a Comparison rate5

New Residential Investment Loans

  • 3.99% p.a 2 year Fixed Rate.
    Advantage Package.4
    Includes a 0.35% p.a. ^^ discount.
    Principal & Interest repayments.
  • 5.42% p.a

    Comparison rate.5



  • $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.

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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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 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.

    ^^ The offer is available for new loans submitted from 5 June 2018 and may be varied or withdrawn at any time. The total discount rate is inclusive of the current 0.15% p.a. Advantage Package discount for the fixed rate period under the Advantage Package. Excludes internal refinance and switches within Westpac, St. George, Bank of Melbourne, BankSA and RAMS. The Bank will apply the fixed rate that is available at the loan settlement date. $395 annual package fee. Min loan $100k. $395 annual package fee. Min loan $100k.

  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.