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Top Home Loan FAQs

Introductory Rate Home Loan

Enjoy a lower interest rate for the first 12 months of your home loan1

  • Ideal for first home owners or new St.George home loan customers
  • A lower discounted interest rate1 - your choice of fixed2 or variable interest rate - for 12 months following your first draw down
  • At the end of the 12 month discounted rate period, the interest rate automatically reverts to the Standard Variable Rate alternatively, you can switch to a Fixed Rate Home Loan
  • If you choose this loan with a fixed rate and are eligible, it will be packaged with a selected credit card and transaction account. Learn more about the Advantage Package5
  • Discounted variable interest rate under this loan is available if you are eligible for, and take out, the Advantage Package. Learn more about the Advantage Package.5
Apply online

A St.George home loan expert will contact you at your preferred time.

Lower discounted interest rate

Loan term & repayments

Package and save!

You could get discounted fees and more with an Introductory Rate Home Loan as part of your St.George Advantage Package – a package deal for your home loan, credit card and transaction account.4

Properties vacant land and building

  • Discount Fixed Rate Home Loans are available to owner occupiers and investors for property or vacant land purchase
  • Discount Variable Rate Home Loans can be used for building, or for property and vacant land purchase

Great features!

Features include discounted interest rates, reducing or avoiding Lender’s Mortgage Insurance3 when a family member provides additional security for a part of your loan, 100% interest offset, redraw7, repayment pause7 and more!

Compare

Discover your borrowing power!

Discover your borrowing power and where you could buy

Fees
Save when you package your home loan, selected credit card and transaction account with Advantage Package, an annual package fee of $395 applies.
Establishment fee
  • $6004

or
Monthly
Administration fee
  • $10

or
Other fees and changes apply. See a complete list of fees for loan accounts.
Interest rates
1 year rate Annual rate Comparison rate6
Introductory Fixed rate2   p.a.  p.a.
Discount Variable rate   p.a. p.a.
Get an interest rate discount with Advantage Package after the first year5
Repayment options for Introductory Rate Home Loans
Frequency
  • Choose either
    • Principal and interest repayments for up to 30 years, or
    • Interest based repayments for up to 15 years
  Weekly Fortnightly Monthly
Loans with Principal and interest repayments      
Loans with Interest based      
Learn more:
Automatic repayments
  • On Discount Fixed Rate Home Loans, make additional repayments of up to $10,000 each year before break costs become payable
  • On Discount Variable Rate Home Loans, make additional payments online at no cost
  • Calculate what you could save by making extra payments
Additional payments Set up convenient automatic repayments from your nominated bank account
Choose the features you need
Package and save! You could get special interest rate discounts and more with Advantage Package – an all-inclusive home loan, credit card and transaction account package5
Family Pledge With Family Pledge, you can reduce or even avoid paying Lender’s Mortgage Insurance3 when a parent or family member guarantees part of your home loan by using his or her own home's equity to provide additional security for a portion of your loan amount.
Redraw
  • Get access to the extra payments you make by requesting a redraw7 Additional repayments of $10,000 a year may be made for Fixed Rate Home Loans before break costs become payable
  • You could save on redraw fees by making your request over the phone or via Internet Banking.
Lock in a fixed rate
  • Available on discounted Fixed Rate Home Loans
  • Rate lock lets you secure an advertised Fixed Rate for up to 90 days before your new Fixed Rate Home Loan settles8.
100% interest offset
Repayment Pause
  • Reduce or pause your repayments for 3 to 12 months when you have a legitimate period of leave from the workforce7.
Deposit Protect Bond
  • Use a Deposit Protect Bond9 instead of paying a cash deposit immediately, and keep earning interest on your deposit money right up until settlement
  • Also ideal when using equity in an existing property to finance your purchase.

Apply online

Apply online It takes just 15 minutes!

Enquire online

Enquire now and a St.George home loan expert will call at your preferred time

Call us

13 33 30. To talk with a St.George home loan expert, say “New Mortgage” when prompted.

Visit a branch

Find your nearest branch

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Important information

Conditions, fees and credit criteria apply.

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. 

1 As compared to our standard variable interest rate or standard fixed interest rate, as applicable.
2 Interest rate discount on fixed rate loan is only available where total borrowings are greater than $150,000.
3 Lender’s Mortgage Insurance is generally payable on loans exceeding 80% of the value of your property
4 Other upfront fees and costs may apply
5 Advantage Package annual fee of $395 applies, other fees may be payable. The fee savings apply for the duration of the package. Contact St.George to see if you are eligible to receive Advantage Package benefits.
6 The comparison rate is based on a loan of $150,000 over a 25 year term. After the first year the interest rate will revert to the applicable Standard Variable Rate unless the customer chooses to switch to a Fixed Rate Home Loan. 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.
7 Redraw requests and repayment pause are subject to our approval. Fees apply. For fixed rate loans, redraw is only available for loans fixed on or after 30 November 2009 and only up to a maximum of $10,000 or break costs may apply.
8 Rate lock applies to fixed rates only. Rate lock requests are subject to our approval. Fees apply. 
9 St.George Deposit Protect Bonds are guaranteed by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 and are distributed by St.George – A Division of Westpac Banking Corporation.