Be your own boss with a St.George home loan
Borrowing in your name? Choose from our full range of home loans
Fixed interest home loans
Know exactly what your rate and repayments will be for a 1-5 year loan term.
Variable interest home loans
Get ahead on your mortgage with limitless extra repayments.
Frequently asked questions
You can apply for a residential St.George home loan, whether:
- You own a small business or large company
- You’re a sole trader, in a partnership, operating as company or trust
- It’s your first home, next home, an Investment Loan, or you’re refinancing (switching your home loan to us)
- You’re building a new property, or buying an established one.
Borrowing in your own name
Whether the loan will be in your own name or with a joint-applicant, you can apply for any St.George residential home loan. Even better, you'll get the same interest rate, offers and features that are available to our PAYG customers.
Borrowing through your business
If the residential property loan will be in your business or trust's name, you can apply for our Standard Variable Rate and Fixed Rate home loans – though you won’t qualify for our Fast Track assessment. You'll even get the same interest rate, offers and features that are available to our PAYG customers.
Get $2K cashback when you refinance to us
Switch your loan to St.George and you could lower your repayments, or pay off your your loan faster.
Start your application online
A home loan expert will call you once you have submitted your application to talk through next steps.
Not quite ready to apply?
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.
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.
+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.