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St.George Home Loans
Posted March 29th, 2010
and last modified February 2nd, 2012
St George Home Loans Comparison
A home loan is a very personal product and while there is a wide range of home loans available from most Australian providers, each of those products can be further personalised once you have clarified your purchasing or investment needs. However, it can still make sense to start out with a provider who offers a diverse range of home loans such as St.George Bank who can tailor a loan for your first home, your investment property or to boost your retirement fund.
St.George home loans deliver a wide range of home loan products, so if you are a home buyer searching for a specific type of mortgage, you have a good chance of finding a St.George home loan which will suit your particular needs, without having to spend hours, or even days, weeks and months, searching for that perfect mortgage loan that has everything you need. St.George, now a division of Westpac Banking Corporation, is a home loan provider with one of Australia’s largest banking groups, so you can feel secure that your financial needs are safe, and will be looked after for the term of your loan.
Featured St. George Home Loan
If You’re not saving on your home loan, you could be doing better with St.George. Make the switch and you could save over $10,000 in 4 years. No ongoing fees.
- Interest Rate of 7.22%
- Comparison Rate of 7.27%
- Application Fee of $0
- Maximum LVR With LMI: 95%
- Minimum Borrowing: $30,000
- Maximum Borrowing: $10,000,000
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 St.George Super Fund Home Loan |
100% offset account and rate lock available on this competitive loan | 7.80% | 8.05% | $1500 / $12 | 72% | $100,000 / $2,000,000 |
 
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St. George Basic Home Loan |
No monthly administration fees and flexible repayment options. A great loan for first home buyers. | 7.22% | 7.27% | $0 / $0 | 95% | $30,000 / $10,000,000 |
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St. George Intro 1 Year Discount Variable Rate |
Make the transition from renting to buying easier with this discounted introductory rate from St. George. | 7.10% | 7.88% | $0 / $395 | 95% | $10,000 / $10,000,000 |
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St George Portfolio – Home Equity Loan |
Enjoy 24 hour access to your funds with this portfolio loan. | 7.90% | $700 / $200 | 90% | $10,000 / $1,500,000 |
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St George Portfolio – Home Equity Loan (Advantage Package $100K to $149K) |
Flexible repayment options. | 7.65% | $0 / $395 | 90% | $100,000 / $150,000 |
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St. George Portfolio – Home Equity Loan (Advantage Package $150K to $249K) |
Combine your finances to keep banking easier. | 7.40% | $0 / $395 | 90% | $150,000 / $249,000 |
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St George Portfolio – Home Equity Loan (Advantage Package $250K plus) |
Consolidate your savings and investment into one account. | 7.20% | $0 / $395 | 90% | $250,000 / $1,500,000 |
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St. George Standard Variable Loan |
Enjoy Flexible Options and Low Annual Fees | 7.80% | 7.96% | $600 / $10 | 95% | $10,000 / $10,000,000 |
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St. George Variable Loan (Advantage Package $100K – $149K) |
Take advantage of up to 0.70 off the standard variable rate | 7.55% | 7.93% | $0 / $395 | 95% | $100,000 / $150,000 |
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St. George Variable Loan (Advantage Package $150K – $249K) |
Enjoy zero establishment and switch fees. | 7.30% | 7.68% | $0 / $395 | 95% | $150,000 / $249,999 |
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St. George Variable Loan (Advantage Package $250K plus) |
$0 monthly service fee and a 100% offset facility. | 7.10% | 7.49% | $0 / $395 | 95% | $250,000 / $10,000,000 |
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St George Low Doc Home Loan <$500k |
Interest only repayment option and redraw facility offered. | 7.95% | 8.14% | $850 / $12 | 80% | $50,000 / $1,500,000 |
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Types of St. George Home Loans
Some of the most popular St.George home loan products are outlined here, to help you start thinking about your home loan needs, and which features you would want in your St.George home loan:
- Advantage Package. The Advantage Package is, as its name suggests, a package deal home loan where you can include your credit card and transaction accounts, while saving with the special package discounts on your mortgage interest rates, and other fees and charges. Your St.George Advantage Package is where you can place three of your most important financial products together – your home loan, transaction account and credit card account. This is the perfect mortgage for first home buyers, property investors and those looking to refinance.
- Standard Variable Rate. The Standard Variable Rate is the St.George home loan’s competitive variable interest rate mortgage. The interest rate is not locked into a set term and instead keeps in line with the movements of the economy to remain affordable. The standard variable rate home loan also has great features, the main one being a linked 100 percent offset savings account so you can save on home loan interest just by using your offset account as your regular transaction and savings account. You’ll also have a redraw facility so you can access any additional repayments you need in case of an emergency expense. The loan also boasts very flexible repayment options to match with your pay cycle. It is regarded as a perfect home loan for owner buyers, the purchase of vacant land and as a construction loan.
- Fixed Rate Home Loan. This home loan is offered by St.George home loans for the purpose of protecting yourself in the event of interest rate increases. With the fixed rate home loan you can choose a fixed interest rate for a period from one to five years. In this way you can budget ahead with confidence as you will always know what you have to put aside for your mortgage repayments each month.
- Portfolio Loan. This is a home loan where you can arrange to make use of the equity in your home to create more wealth. It is a flexible line of credit home loan that combines your own finances as well as your investment finances into the one convenient account. The attraction of this home loan is that you can apply to borrow up to 90 percent of your property’s value in order to release funds for other investments, such as shares, investment properties or a new car, to further build your assets. You can even deposit your entire income directly into your portfolio home loan to make every dollar work for you in saving you money in interest payments, as home loan interest is calculated daily, and your income offsets interest charges until you need it.
- Basic Home Loan. St.George home loans are proud of their basic, no frills home loan that boasts a very low variable interest rate while at the same time has no ongoing monthly fees. It also has flexible repayment options and is the perfect loan if you want to ‘set and forget’ your home loan, pay it off over the full term and get on with your life.
- Introductory Rate Home Loan. This mortgage is primarily aimed at the first home buyer as it is offered with a low interest rate for the first 12 months, giving you time to settle in to your new home and become established in your career. You are able to choose whether you want to take it out as a fixed or variable interest rate home loan.
- Low Doc Variable Rate. A variable interest rate home loan with a 100 percent offset savings option, and a redraw facility.
- Low Doc Fixed Rate. A fixed interest rate mortgage with the option of a fixed term of one, three or five years. It is the right loan to gain protection from the uncertainty of rising interest rates.
- Low Doc Portfolio Loan. The low documentation flexible line of credit home loan allows you to put your equity to work by using it to finance other investments.
- A relocation loan that gives you a real alternative to having to resort to expensive bridging finance.
- A building home loan where interest is only charged when money is actually taken out to complete the different stages of construction.
- A seniors access home loan in case you find you are asset rich and cash poor at the wrong time in your life. This is a reverse mortgage that will let you live more comfortably, and finance free, in your retirement years.
- A super fund home loan that allows your self-managed super fund to buy residential investments.
- Home loans for foreign investors and Australians living off shore which allow you to buy Australian property in Australian dollars.
- Why do you need a home loan? Answering this question will help guide you towards finding out more about the types of home loans which best suit your needs, because whether you want to purchase an investment property, or borrow the full value of a property for example, can significantly affect the features you need, and the requirements you need to meet before you apply.
- Consider your lifestyle. It is important to think about the type of person you are, to make sure the St.George home loan you choose fits you perfectly. For example, a fixed home loan with a set monthly repayment may be perfect for you if you have a young family and you want to be sure of the mortgage repayment amount every single month because there are enough unexpected expenses in your life. Alternatively, if you are a young couple, winning promotions and upgrading your skills you have the opportunity to take advantage of change and pump more into your loan at times so a variable interest rate may suit you better.
- St George Low Doc Home Loan <$500k
- St George Portfolio - Home Equity Loan
Do you want to increase your current investment portfolio? If you would like to increase or better manage your investment portfolio by moving them to one account, the St.George Portfolio Home Equity Loan and find out how. - St George Portfolio - Home Equity Loan (Advantage Package $100K to $149K)
If you have many investments and would like to consolidate all your investments into one account, have a look at the St.George Portfolio Home Equity Loan (Advantage Package $100K - $149K). - St George Portfolio - Home Equity Loan (Advantage Package $250K plus)
Increasing your investment portfolio can financially secure you and your family in the future. The Portfolio Home Equity Loan (Advantage Package $250K Plus) can help you achieve this so read on to find out more. - St. George Five Year Fixed Home Loan
- St. George Fixed Loan (2 Years)
- St. George Fixed Loan (Advantage Package)
If you are looking for a fully featured home like with the convenience of having a fixed interest rate then you should consider the St. George fixed rate advantage package home loan. With this loan you get all the features normally associated with a variable home loan with the knowledge that your payments won't change. - St. George Intro 1 Year Fixed Rate
- St. George Introductory Variable Rate Loan
The St.George introductory variable rate home loan is a great home life of people looking to buy a home between $10,000 and $10 million. This home loan is packed with lots of features and benefits that are listed here. - St. George Portfolio - Home Equity Loan (Advantage Package $150K to $249K)
Do you want to increase your current investment portfolio? The St.George Bank offer an easy way to gain the money for new investments and an effective way to manage them. Read on and find out more about the St.George Portfolio Home Equity Loan (Advantage Package $150K - $249K). - St. George Three Year Fixed Plan
- St. George Variable Loan (Advantage Package $100K – $149K)
Just because you are borrowing a smaller amount, doesn’t mean you have to miss out on some of the best features of home loans and repayment options. With the St.George Advantage package for $100 - $149K you can have an affordable loan, with great features too. - St. George Variable Loan (Advantage Package $150K-$249K)
- St. George Variable Loan (Advantage Package $250K plus)
The St.George $250K Advantage Package offers a discounted interest rate, however when you work with Home Loan Finder to compare and apply for the loan which best suits you, we can guarantee you an interest rate lower than the banks advertise, and lower than any other mortgage broker can get you. - St.George Basic Home Loan
Buying a new home can be complicated enough, so why consider a loan with a host of features you don’t want or need, when the St.George Basic Home Loan offers you an affordable interest rate, low to no fees and the opportunity to repay your loan sooner if you choose. - St.George Fixed Super Fund Home Loan
- St.George Standard Variable Loan
If you like flexibility and want to be able to make additional repayments, withdraw from your loan or even pause your repayments, all in one loan, without having to refinance, then the feature packed St-George Variable Home Loan could be for you. - St.George Super Fund Home Loan
With the introduction of self managed super funds you now have the opportunity of buying residential property with your superfund, here is some of the information about St.George bank superfund home loans that you will need before making a decision. - St.George Banks Guide to Calculating the costs of building your home
Some of the costs involved in the building of your new home are considerable and you should therefore ensure that you have the funds available as they fall due. St. George home loans will cover your building progress payments as they fall due but some costs will be your own responsibility. - St. George Home Loan Fees
If you are looking to get a home loan with the St. George Bank then you should be sure that you know about the fees that will be charged with the loans. Read this article for a brief overview of the fees. - St.George Home Loans for Self-Employed and Small Business Owners
If you are self employed or a small business owner then low doc home loans will help you get funding to buy a house. Read this article and find out all about the low doc home loans that are offered by St. George. - St George Home Loans Advantage Package Offer stgeorge.com.au/betterhome
Find out about this incredible offer from St George with their Standard Variable Home Loan Advantage Package. Be rewarded with a low interest rate of just 6.73% p.a. - St.George Home Loan rates to rise by the RBA 25 points
Following the RBA's increase of the official crash rate on Tuesday by 25 basis points, St. George has risen it's home loan rates to be in line with the RBA. Despite increased interest rates across mortgage products, St. George still strives to offer some of the best deals on the Australian home loan market.
There are three low doc options offered by St.George home loans, if you are self employed, a contract worker, have a bad credit rating or for any other reason can’t prove your income in the standard way:
St. George Fixed Home Loan Options
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
St.George Fixed Super Fund Home Loan |
Finance your investments with the Super Fund Home Loan | 7.50% | 8.02% | $1500 / $12 | 72% | $100,000 / $500,000 |
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St. George Intro 1 Year Fixed Rate |
Allows parent or other members of family to act as guarantor. | 6.94% | 7.86% | $0 / $395 | 95% | $50,000 / $1,000,000 |
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St. George Fixed Rate Home Loan – 2 Year Fixed Rate |
Redraw facility and interest-only repayments available. | 6.54% | 7.69% | $600 / $10 | 95% | $10,000 / $1,000,000 |
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St. George Fixed Rate Home Loan – 3 Year Fixed Rate |
Additional repayments and flexible repayment frequency. | 6.54% | 7.58% | $600 / $10 | 95% | $10,000 / $1,000,000 |
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St. George Fixed Rate Home Loan – 5 Year Fixed Rate |
Ability to reduce or pause your home loan repayments for a period of between 3 to 12 months | 7.09% | 7.63% | $600 / $10 | 95% | $10,000 / $10,000,000 |
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St. George Fixed Loan (Advantage Package) |
No loan establishment or service fee and 100% interest offset facility. | 6.94 (3 Years)% | 7.70% | $0 / $395 | 95% | $150,000 / $1,500,000 |
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St.George home loans also offer a raft of specialist home loans that include:
How to Choose a St.George Home Loan
Every Australian’s home loans and investment needs are different, and all we can do is arm you with the information you need and the questions you should ask, before you visit St.George to see whether they can provide you with the best home loan deal. Before you take the time to make a meeting with St.George about your home loan needs, think about what those needs are:
To find out more about the features and fees of current St.George home loan products to help you decide which one would best suit your needs, view the Home Loan Finder comparison tables here. Once you’ve found a home loan deal which appeals to you, follow the secure link from our comparison table, to the St.George website where you can book an appointment with your local branch, so you can be on your way to realising your property dreams.
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