St.George Portfolio – Home Equity Loan (Advantage Package $100K to $149K)
Posted July 26th, 2010
and last modified April 16th, 2012
What happens when I click Enquire Now?
- Clicking Enquire Now will take you to the lender's website
- After completing the contact form, a mortgage expert will contact you
- The mortgage expert will ensure you find the right loan, calculate your repayments, and explains all the associated fees
- After going through the enquiry process you will be able to know how much you can borrow, begin your application when you are ready to apply and be approved for a home loan
Do you have many investments and would like an easy way to manage them? The St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) account allows you to manage all you investments under one account. Each investment has its own sub-account which allows you to manage your investments more easily. With a competitive rate the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) ensures you can easily manage your investments while taking advantage of the low rates.
Features of the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K)
The St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) allows you to borrow up to 90% of your property value and invest in anything you would like. This can be useful if you would like to increase your current investment portfolio or just make managing your investments easier. The main features of the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) are:
- The ability to separate your investments into sub-accounts. You can have up to 10 different sub-accounts when using the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K). With each sub-account you can apply different ownership to each of them. This may make managing your tax and finances easier. Separate statements will be issued for each sub-account.
- The ability to choose the frequency of repayments. These can be weekly, fortnightly, or monthly. With the added flexibility this ensures that the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) is working the way you would like. Furthermore, your income to be directly deposited into the loan account. By depositing your earnings into the loan account less interest is accumulated and your loan can be paid faster.
- You can increase the amount you borrow. If you would like to take advantage of another investment in the future you can increase the value of your loan.
- The all in one advantage package. If you would like more features you can apply for the all in one advantage package. The advantage package offers a value package which includes:
- up to 0.70% p.a. off the St.George Portfolio Home Equity Loan(Advantage Package $100K – $149K);
- A discount on the Standard and Portfolio Loan Fixed rates of up to 0.15% p.a.;
- No loan establishment;
- Save up to $700 by increasing and switching fees;
- No monthly loan administration fee;
- No annual credit card fees;
- No monthly transaction account keeping fees;
- and no monthly service fees with a complete interest offset facility.
- You can change your interest rate to a fixed rate. If you would like you can fix the interest rate. This can be especially handy if you think that the market has reached its lowest point and you believe interest rates will continue to rise.
- Earn interest from your bond. By paying for a deposit protect bond you are able to earn interest from your bond money while your loan is being payed off. The deposit bond effectively works as insurance your bond will be paid and guarantees that St.George will pay the deposit if you don’t pay by the settlement of the loan
If you would like the convenience of having all your investments in the one handy account then the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) may be the loan for you. This easy way of consolidating your investments can save you time and make it easier to manage and track your investments. Furthermore, the St.George Portfolio Home Equity Loan (Advantage Package $100K – $149K) also makes expanding your current portfolio easier as you can just add future investments onto the account.
| Minimum Loan Amount | $100,000 | |
|---|---|---|
| Maximum Loan Amount | $150,000 | |
| Maximum LVR | 90% | |
| Maximum Insured LVR | 90% | |
| Mortgage Offset Account | No | |
| Loan Redraw Facility | No | |
| Split Loan Facility | No | |
| Fixed Interest Option | No |
| Interest Rate Type | Fixed | |
|---|---|---|
| Interest Rate | 6.89% | |
| Repayment Type | Interest Only | |
| Repayment Frequency | Weekly | |
| Extra Repayments | No |
| Application Fee | $0 | |
|---|---|---|
| Legal Fee | $0 | |
| Valuation Fee | $0 | |
| Service Fee | $395 | |
| Settlement Fee | $100 | |
| Exit Fee | $250 |
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 |
|
 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 |
|
 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 |
|
Ask A Question About This Product