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 could fix your interest rate for a certain period of time. You could even lock in the interest rate before settlement with our Rate Lock feature*, giving you peace 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 RP Data 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 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:

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.

* Fees, charges, credit criteria and terms and conditions apply. Based on the Bank's credit criteria, residential lending is not available for Non-Australian Resident borrowers. The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, 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 $2mil. For loans above $2mil, the Rate Lock fee is 0.15% p.a. of the loan amount. After fixed period, rate reverts to applicable Standard Variable Rate based on your loan category and repayment type. Excludes Portfolio Loans.

# Excludes 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 improvements to an investment property.

^ The comparison rate for the Fixed Rate Home Loan is based on a loan of $150,000 for 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

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 RP Data property reports are offered to St.George customers with the permission of RP Data 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 Annual fee, currently $395, applies.

© 2016 St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.