| St.George Bank

Fixed rate home loan
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What happens next

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Complete your home loan application today and get a great fixed rate

Fixed Rate Home Loan

One low rate, fixed from 1-5 years

For New Owner Occupier (Principal & Interest), Advantage Package Home Loans. LVR⁺ above 60% up to 80%. $395 annual package fee.

2.89% p.a. 1 year fixed rate	3.81% p.a. Comparison rate*
2.89% p.a. 2 year fixed rate	3.77% p.a. Comparison rate*
2.89% p.a. 3 year fixed rate	3.72% p.a. Comparison rate*
2.89% p.a. 4 year fixed rate	3.68% p.a. Comparison rate*
2.89% p.a. 5 year fixed rate	3.64% p.a. Comparison rate*

^{T&C's apply. See comparison rate warning.}

Don’t want to fix your rate? View all our home loan interest rates

You can pick up where you left off - just follow the instructions below

Retrieve your application in Internet Banking

You’ll need your Customer Access Number and Internet Banking logon details.
You’ll find your application on your Internet Banking dashboard.

Retrieve application Retrieve application

What happens after I submit my application?

Start uploading your documents

We will need some supporting documents like your pay slips to formally approve your loan - the fastest and most secure way to provide these is to upload them using our document upload portal. You can access the portal by retrieving your application.
A lending manager will be in touch within the next business day to help you progress with your home loan application and to discuss your needs and goals.

Refinance offer

$2k

Cashback^ When you refinance

For new Owner Occupier with Principal & Interest repayments and Investment loans. Available on our Advantage Package and Basic home loans. $395 annual package fee. $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Applications received by 31 January 2020, with loan settled by 31 March 2020.

Looking to refinance?

What else do I need to know?

^$2,000 Refinance Cashback
For new refinance applications received from 23 September 2019 to 31 January 2020, with loan settled by 31 March 2020. Offer current as at 23 September 2019. Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include Bank of Melbourne, Westpac, St.George Bank, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants must have a St.George transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Applicants home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a St.George transaction account, read the terms and conditions and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

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 224KB)

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

Advantage Package - Terms and Conditions (PDF 178KB)

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..

*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 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 don’t change because of changes to the LVR during the life of the loan.