Owner Occupier
The below interest rates tables does not include any LVR+ pricing adjustments for new lending. Visit our home loan interest rate page for our latest interest rates including applicable LVR+ discounts or additional margin for new home loans.
| Principal & Interest | Interest Only | Key Fees | |||||
|---|---|---|---|---|---|---|---|
| Interest rate (p.a.) | Comparison rate (p.a.)1 | Interest rate (p.a.) | Comparison rate (p.a.)1 | Annual package fee | Establishment fee | Monthly fee | |
| Variable Rate Loans | |||||||
| Basic Home Loan Promotional Rate (New lending only)2 | 6.39% | 6.40% | 7.39% | 7.40% | N/A | $0 | $0 |
| Standard Variable Rate | 8.81% | 8.95% | 9.40% | 9.54% | N/A | $600 | $8 |
| Standard Variable Rate (Advantage Package)4 | 7.49% | 7.83% | 8.08% | 8.41% | $395 | $0 | $0 |
| Relocation Loan with end debt6 | N/A | N/A | 9.40% |
9.54% |
N/A | $600 | $8 |
| Relocation Loan without end debt6 | N/A | N/A | 9.40% |
9.54% |
N/A | $600 | $8 |
| Fixed Rate Loans3 (Advantage Package4 - min loan size $150k) | |||||||
| 1 year | 6.19% | 7.68% | 6.49% | 8.23% | $395 | $0 | $0 |
| 2 years | 5.89% | 7.50% | 6.29% | 8.03% | $395 | $0 | $0 |
| 3 years | 5.99% | 7.39% | 6.29% | 7.87% | $395 | $0 | $0 |
| 4 years | 5.99% | 7.27% | 6.49% | 7.80% | $395 | $0 | $0 |
| 5 years | 5.99% | 7.16% | 6.49% | 7.69% | $395 | $0 | $0 |
| Eligible for $2K refinance cashback offer5 | Yes | N/A | |||||
Investor
The below interest rates tables does not include any LVR+ pricing adjustments for new lending. Visit our home loan interest rate page for our latest interest rates including applicable LVR+ discounts or additional margin for new home loans.
| Principal & Interest | Interest Only | Key Fees | |||||
|---|---|---|---|---|---|---|---|
| Interest rate (p.a.) | Comparison rate (p.a.)1 | Interest rate (p.a.) | Comparison rate (p.a.)1 | Annual package fee | Establishment fee | Monthly fee | |
| Variable Rate Loans | |||||||
| Basic Home Loan Promotional Rate (New lending only)2 | 6.64% | 6.65% | 6.99% | 7.00% | N/A | $0 | $0 |
| Standard Variable Rate | 9.37% | 9.51% | 9.66% | 9.80% | N/A | $600 | $8 |
| Standard Variable Rate4 (Advantage Package) | 8.05% | 8.38% | 8.34% | 8.66% | $395 | $0 | $0 |
| Fixed Rate Loans3 (Advantage Package4 - min loan size $150k) | |||||||
| 1 year | 6.34% | 8.19% | 6.49% | 8.46% | $395 | $0 | $0 |
| 2 years | 6.09% | 7.97% | 6.29% | 8.23% | $395 | $0 | $0 |
| 3 years | 6.19% | 7.82% | 6.29% | 8.05% | $395 | $0 | $0 |
| 4 years | 6.19% | 7.67% | 6.29% | 7.88% | $395 | $0 | $0 |
| 5 years | 6.19% | 7.54% | 6.29% | 7.74% | $395 | $0 | $0 |
| Eligible for $2K refinance cashback offer5 | Yes | Yes | |||||
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Important information
Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 43KB)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
If any of the information related to (or provided by) Westpac Group that you rely on is printed, downloaded or stored in any manner on your systems, files or otherwise, please ensure that you update your systems and files with the most up-to-date information provided by us and rely only on such updated information.
+LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.
1 Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2Basic Home Loan Promotional Rates:
Basic Home Loan Promotional Principal and Interest Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
Basic Home Loan Promotional Interest Only Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 26/10/2020. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
Residential Investment Basic Interest Only Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
3Fixed rate home loan: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.
4Advantage Package: Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is right for you.
6Relocation loan: Available for owner occupiers buying a new home, building a new home using a building contractor, or buying vacant land to build. Not available for purposes including owner builders, investment, purchasing vacant land with no intention to complete a build within 12 months, or extended settlement loan.