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Why choose a Fixed Rate Home Loan?

Flexible repayments

Choose to make your repayments weekly, fortnightly or monthly5.

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

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.

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) Advantage Package Home Loans4, $395 annual package fee applies. LVR+ above 60% up to 80%. If you’re an existing St.George Home Loan customer, find out how to manage your home loan.


2.04% p.a.
1 year fixed rate
3.51% p.a.
Comparison rate*
1.94% p.a.
2 year fixed rate
3.40% p.a.
Comparison rate*
2.03% p.a.
3 year fixed rate
3.32% p.a.
Comparison rate*
2.24% p.a.
4 year fixed rate
3.31% p.a.
Comparison rate*
2.54% p.a.
5 year fixed rate
3.36% p.a.
Comparison rate*


$0 Establishment Fee6
$0 Monthly administration fee
$395 with Advantage Package4
0.15% Rate Lock 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 at the time of your loan approval. 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). Once approved, you will need to pay the Rate Lock fee before drawdown of their loan.

To apply for the Rate Lock feature, you can speak directly with your Home Finance Manager or Broker.

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

A home loan expert will call you once you have submitted your application to talk through next steps.

Compare our home loans

See at a glance how features differ by product.

Compare our home loans

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.

View interest rates

Important information

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

1St.George Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The Rate Lock fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 mil. For loans above $2mil, the Rate Lock fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate unless a new fixed rate term is selected and then the fixed rate is determined two business days prior to the refix.

Fixed rate home loan 
The Bank 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 and switch fee may apply. Switch break costs are explained in the Things You Should Know About Break Costs (PDF 69KB).

4Advantage 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.

5If 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).

6Upfront 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.

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks 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 don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.