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St.George Home Loan Fees
Posted October 21st, 2010
and last modified December 7th, 2011
When you apply for a home loan there will be many costs that you will have to pay. Most people will focus on the costs that are associated with paying back the loans but there are also many costs that will have to be paid upfront at the start of the loan. St.George has a variety of home loan fees that will have to be paid when you buy a home with one of their loans.
St.George Home Loan Fees
There are many fees that will have to be paid when you get a home loan with St.George. The fees that you will have to pay are:
- Establishment fees. The establishment fees will be charged to people for starting up a loan and will cover many of the costs that are associated with the administration that is involved in setting up your account. Generally these fees will range from around $500 to over $1000.
- Additional bank legal fees. When security is offered a loan you will have to pay additional bank fees that will cover the cost of setting up the security and recoding all the details. These fees will generally be between $200 and $400.
- Property valuation fees. If you are buying a home then you will have to let us value the property. The valuation of the property will determine how much you will be able to borrow and how much of a deposit you will have to pay. The property valuation fees that will have to be paid will range from around $15 for the electronic valuation, to $164 for an external property valuation.
- Building loan/sub account fees. If you have a construction loan then you will have to pay a progress payment fees on the sub accounts. These fees will ensure that the progressive repayments that are made to the builder are done properly and in a timely manner. These fees will range from $250 to $350 depending on the whether or not you are the builder.
- Administration fees. The administration fees that will be charged to a loan will usually be charged every month. These will cover the day to day running costs of maintaining your loan. Generally the administration fees that will be charged to the loan will be from $5 to $15. However, if you are on the basic loan then you will not have to pay any fees at all.
- Early repayment fees. The early repayment fees will be charged to people depending on what type of loan they have. If you are on a fixed rate loan then the early repayment fees will be estimated at the time. If you are on a portfolio loan then the fees may be $1000. If you are on any other loan then the early repayment fee will generally be $1000.
- Home loan conversion fees. If you are looking to switch home loans while with the St.George Bank then you will have to pay a fee of $500 or $1000 depending on what type of loan you are on.
Featured St.George Home Loans
| 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 | 7.04% | 7.29% | $1500 / $12 | 72% | $100,000 / $2,000,000 |
 
|
St.George Basic Home Loan |
No monthly administration fees and flexible repayment options. A great loan for first home buyers. | 6.46% | 6.51% | $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. | 6.34% | 7.12% | $0 / $395 | 95% | $10,000 / $10,000,000 |
|
St.George Portfolio – Home Loan |
Enjoy 24 hour access to your funds with this portfolio loan. | 7.14% | $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. | 6.89% | $0 / $395 | 90% | $100,000 / $150,000 |
|
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St.George Variable Loan (Advantage Package $150K – $249K) |
Enjoy zero establishment and switch fees. | 6.54% | 6.93% | $0 / $395 | 95% | $150,000 / $249,999 |
|
St.George Variable Loan (Advantage Package $250K plus) |
A low monthly service fee and a 100% offset facility. | 6.34% | 6.73% | $0 / $395 | 95% | $250,000 / $10,000,000 |
|
St.George Low Doc Home Loan <$500k |
Interest only repayment option and redraw facility offered. | 7.19% | 7.38% | $850 / $12 | 80% | $50,000 / $1,500,000 |
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When you are paying off a loan or even applying for a loan you will usually have to pay fees. These fees will cover any liability that the provider has experienced due to the action or they will cover the time that is taken to update your account. If you are looking for a loan that has the fewest fees then the basic variable home loans will generally be your safest bet. The fixed rate loans will generally attract the highest fees.
Related posts:
- How to Minimise Home Loan Fees
- St.George Portfolio – Home Equity Loan (Advantage Package $100K to $149K)
- St.George Portfolio – Home Equity Loan
- St.George Portfolio – Home Equity Loan (Advantage Package $150K to $249K)
- St.George Super Fund Home Loan
- St.George Home Loan rates to rise by the RBA 25 points
- St.George Portfolio – Home Equity Loan (Advantage Package $250K plus)
- St.George Fixed Super Fund Home Loan
- St.George Low Doc Home Loan <$500k
- St.George Home Loans for Self-Employed and Small Business Owners
Top Home Loans
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Loans.com.au - Dream Catcher | A home loan offer with a $0 application fee and one of the lowest available home loan interest rates. | 5.85% | 6.21% | $0 / $375 | 80% | $50,000 / $750,000 |
|
 Bankwest Online Home Loan | A low interest rate home loan with a $0 application fee and ongoing maintenance fees. This offer is exclusively available by applying online. | 5.97% | 5.97% | $0 / $0 | 80% | $100,000 / $1,000,000 |
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 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded Mortgage of the Year 2012 – this multi-award winner features 100% offset and a loyalty 0.25% rate drop after 5 years. | 6.02% | 6.23% | $0 / $345 | 95% | $150,000 / $1,000,000 |
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 Illawarra Home Loans Bank Beater Home Loan | A low variable rate, beaten down even further by 0.05% p.a. after 5 years. | 6.07% | 6.35% | $0 / $345 | 90% | $250,000 / $1,000,000 |
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