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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 6.24% 7.69% 6.54% 8.24% $395 $0 $0
2 years 5.94% 7.51% 6.34% 8.04% $395 $0 $0
3 years 6.04% 7.40% 6.34% 7.89% $395 $0 $0
4 years 6.04% 7.28% 6.54% 7.82% $395 $0 $0
5 years 6.04% 7.18% 6.54% 7.71% $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 6.39% 8.19% 6.54% 8.46% $395 $0 $0
2 years 6.14% 7.98% 6.34% 8.24% $395 $0 $0
3 years 6.24% 7.84% 6.34% 8.06% $395 $0 $0
4 years 6.24% 7.69% 6.34% 7.90% $395 $0 $0
5 years 6.24% 7.56% 6.34% 7.76% $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 648KB) 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.

5How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply by 30 June 2024, and settle by 31 October 2024. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $2,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

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.