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Variable, fixed & comparison rates 

A variable rate means your monthly repayments will rise and fall with market interest rates. For those who prefer more certainty, a fixed rate means your interest and repayments stay the same for your fixed term. The comparison rate sits alongside the lender’s advertised rate, and includes certain fees and charges so you can compare apples with apples.

Our variable rate
Our fixed rate

  •  Fixed Rate Fixed Rate
  • Variable RateVariable Rate

Packaged, offset & split options

Packaging’s like bundling up all your banking needs under one, often with discounts on your home loan interest rate, credit card and more for one annual package fee of $395. An offset means every cent sitting in your day-to-day transaction account counts towards 'offsetting' and lowers your linked home loan’s interest.

Enjoy the best of both worlds: fix a portion knowing interest rates will stay the same, and have the rest variable for more freedom and flexibility.

Our Advantage Package
Our offset account
Our split loan

  • Offset AccountOffset Account
  • Split LoansSplit Loans

LVR and LMI 

Loan-to-value ratio or ‘LVR’ compares our property valuation with your loan amount. An LVR of 80% or more could mean you need to pay LMI.

Lenders Mortgage Insurance or ‘LMI’ is an insurance policy we take out that protects the bank in case you fail to repay your loan. It’s paid upfront by you, usually when you have less than a 20% deposit.

LVR article
Calculate LMI


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Call us on 13 33 30 to talk with a St.George home loan expert.

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Looking to buy your first home or do you want to know about refinancing?

The money side

Get an idea of your borrowing power, monthly repayments and upfront costs.

Important information

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.

Loan Accounts – Charges for specific services and accounts (PDF 70KB)

Advantage Package - Terms and Conditions (PDF 2MB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation.

Advantage Package Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from a St.George Complete Freedom transaction account. Before deciding to open a St.George Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you. 

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.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

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

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