Loans to help you own your home

We've got a range of options to help you, whether you're buying, selling, refinancing or investing.
Check out the information here, and contact a Home Loan Specialist for help and information.

A Fixed Rate could
help you budget better

With a Fixed Rate Home Loan, you'll be able to fix your preferred interest rate for a certain period of time. You can even lock in the interest rate before settlement with our Rate Lock feature**, giving you piece of mind in case interest rates go up in the meantime, plus:

  • Choose a fixed interest rate term of 1 to 5 years

  • Budget easily, knowing exactly what your monthly repayments will be

  • Re-fix your term at the end of the fixed rate term, or revert back to our Standard Variable Interest Rate

  • 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 period

  • 5 helpful RPData property reports give you useful information on the home or suburb you're interested in to help you make the right decision before you put in an offer6.

Advantage Package Terms and Conditions apply and are available at stgeorge.com.au Package benefits cannot be taken in conjunction with, or in addition to other special offers, negotiated rates or discounts. Not available to company and trust account holders.

Apply now for an Advantage Package Home Loan or find out more from one of our Home Loan Specialists.

Home Loan tools and calculator

A loan that might suit you

To help get you into your new home, view our full range of Fixed Rate, Variable Rate and package options.

View Home Loans

Make clever choices

HomeHero# is a free online tool that helps you get the bigger picture with property insights for the places you're interested in.

Register for HomeHero

Home Loans calculator

Calculate how much you could borrow and what this could mean for your budget.

Do the maths

Award winning Home Loans

We won 2014 Best First Home Buyer Lender.

We won 2014 Best First Home Buyer Lender.

We won 2015 Best First Home Buyer Lender.

We won 2015 Best First Home Buyer Lender.

On many of our Advantage Package Home Loans

On many of our Advantage Package Home Loans.

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Things you should know:

Credit criteria, fees, charges and Advantage Package Conditions of Use apply. Terms and Conditions are available on request. 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 your local 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 13 33 30.

# HomeHero is a trademark of St.George Bank a Division of Westpac Banking Corporation.

## Special limited time discounted rates offer may be withdrawn at any time. The Bank will apply a discount of 0.35%p.a. to the 2 Year Fixed Rate Home Loan under the Advantage Package for the two years from the loan settlement date (unless the rate is locked in using the Rate Lock feature – details set out below) reverting to the applicable variable rate under the Advantage Package Home Loan.
Offer is only available for new 2 Year Fixed Rate Home Loan applications received from 1 July 2015.Offer current as at 01/07/2015. Refer to info.stgeorge.com.au/homeloan or call us for more information on current offers available. This is a current offer which may be varied or withdrawn at any time. If you apply after this offer has been withdrawn the interest rate which will apply is the 2 Year Fixed Rate Home Loan without any discount. Excludes Portfolio Loans or investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. This offer does not apply to internal refinances and is not transferable between loans, and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

1. The comparison rate for the 2 Year Fixed Rate Home Loan Promotional Discounted Rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2. If you haven't taken up the loan within 90 days we will need to reassess the suitability of the loan.

3. Property value as determined by St.George. Generally, Lender’s Mortgage Insurance is required on loans above 80% of the value of the property offered as security.

4. Special interest rate discounts: include the standard Advantage Package discount of 0.70% p.a. and do not apply to internal refinances and are not transferrable between loans. If you apply outside of the offer period, standard Advantage Package discounts will apply. In addition to the conditions set out, the interest rate discounts are only available under Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Further details on special interest rate discounts are available at www.stgeorge.com.au

5. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub-account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.

6. While the RPData property reports are offered to St.George customers with the permission of RPData Pty Ltd ABN 67 087 759 171, St.George accepts no responsibility for their accuracy or completeness. We recommend you seek independent advice before making a decision based on this information .

7. Higher minimum deposit will be required in some areas. 5% genuine savings required. Loans subject to credit criteria. Lenders mortgage insurance may be required for a fee. Other fees and charges apply. Additional funds required for transaction and establishment costs. Terms and conditions available upon application.

* Advantage Package Terms and Conditions apply and are available at www.stgeorge.com.au Annual fee, currently $395, applies. Not available to company and trust account holders. Applications must also meet our approval guidelines on individual products to qualify for relevant package discounts.

** The Bank will apply the fixed rate that is available at the loan settlement date, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The Rate Lock fee is 0.15% p.a. of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 million. For loans above $2 million, the Rate Lock fee is 0.15% p.a. of the loan amount. At the end of the fixed rate period the interest rate will revert to the applicable variable home loan rate and if the loan is packaged, the prevailing Advantage Package discount will apply to that rate.

© 2015 St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.