St.George Variable Loan (Advantage Package $100K – $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
If you are looking for a home loan between $100,000 to $150,000 but want to make sure that you still get all the options even though you’re not borrowing a large amount of money then maybe you should look at a St.George Variable loan Advantage package $100K-$149K. This home loan will give you all the options that are available on fully flexible home loan with a lower interest rate.
Consider the Features of the St.George Advantage Package Loan
The St.George Variable loan advantage package $100K to $149K offers lots of features and gives the home loan customer plenty of options if their situation changes. Some of these options are as follows:
- You can have an offset account.
Having an offset account is a great way to reduce the interest that you will pay meaning that you will own your house sooner. The offset account works by using any savings that you have to reduce the interest on your home loan. For example if you have a home loan for $125,000 and you have $15,000 in you offset account then interest will only be charged on $110,000.
- Have a repayment pause option.
If you have a St.George Variable loan advantage package $100K-$149K and for some reason you are not able to work and therefore unable to fulfil you loan payments you can apply to St.George to have the repayments reduced to an amount that you are able to manage or stopped for a period of three to twelve months if you have a legitimate reason for not working and you are ahead on your home loan repayments.
- Variable interest rate.
The St.George Variable loan advantage package $100K-$149K has a current interest variable interest rate of 6.79% Having a variable interest rate means that the interest rate may change as time goes on, dropping to take advantage of RBA cuts, but rising when the economy strengthens.
- Extra repayments.
If you would like to make extra repayments on your St.George Variable advantage package $100K-$149K home loan you can do so without have to worry about being charged fees, this is great if you are able to pay some extra money on your home loan for instance if you are left some money in a will.
- You can redraw on your home loan.
With a St.George Variable advantage package $100K-$149K home loan you are able to with redraw on the extra money that you have paid on your loan. So if a time comes when you may need some money that you don’t have, you are able to redraw the money from your home loan.
Features of The Advantage Package
With a yearly fee of $395 the advantage package that’s offered by the St.George offers the home loan customer a range of extra benefits. These benefits offer a range savings, and include.
- No establishment fee on the home loan, a saving of up to $700,
- A transaction account with no monthly fee, a saving of up $14 a month.
- You get the option of having a credit card with no annual fee.
Read the St.George Variable Loan (Advantage Package $100K – $149K) terms and conditions.
| Minimum Loan Amount | $100,000 | |
|---|---|---|
| Maximum Loan Amount | $150,000 | |
| Maximum LVR | 95% | |
| Maximum Insured LVR | 95% | |
| Mortgage Offset Account | No | |
| Loan Redraw Facility | No | |
| Split Loan Facility | No | |
| Fixed Interest Option | No |
| Interest Rate Type | Fixed | |
|---|---|---|
| Interest Rate | 6.79% | |
| Comparison Rate | 7.18% | |
| 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