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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

  • Packaged Home LoansPackaged Home Loans
  • 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

  •  LVR LVR
  • LMILMI


We're here if you need us.

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

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What's next?

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

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:

Please read these documents and keep a copy. You can request a paper copy at a branch.

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.

Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The discount and fee savings apply for the duration of the package. Before deciding to get a St.George transaction account or credit card, read the terms and conditions so you can choose what’s right for you.

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.

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.