Rates and offers

Explore the range of St.George offers and benefits for your clients when choosing a loan for their home or residential investment needs.

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Current home loan rates

Our latest interest rates include applicable LVR discounts or additional margins for new home loans.

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Rates cheat sheet

Find all the information you need on the latest special offers and interest rates to help your clients.

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Home loan package

Discover the benefits of the Advantage Package, including interest rate discounts.

Package benefits

Special offers and promotional interest rates

Understanding LVR

LVR stands for the initial loan-to-value ratio. The interest rates below are for new loans, and won’t change during the life of your loan as the LVR changes.

LVR⁺up to 70%: you’ll get an extra 0.10% p.a. discount off our standard interest rate if you’re borrowing less than 70% of our property valuation.
LVR⁺ above 70% up to 80%: our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation.
LVR⁺above 80%: an extra 0.30% p.a. will be applied on top of our standard interest rate if you’re borrowing above 80% of our property valuation.

Fixed Rate Home Loan - Owner Occupier with Advantage Package⁵

Our Advantage Package offers a 0.20% p.a. interest rate discount and other product savings, for one $395 annual package fee⁵. Available on loans over $150,000 (included in the below rates).

Term	Annual Rate	Comparison Rate*
Principal & Interest
1 year standard fixed rate less package discount	6.19% p.a.	7.68% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.59% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.68% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.98% p.a.
2 year standard fixed rate less package discount	5.89% p.a.	7.50% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.79% p.a.	7.40% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.89% p.a.	7.50% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.19% p.a.	7.79% p.a.
3 year standard fixed rate less package discount	5.99% p.a.	7.39% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.29% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.39% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.68% p.a.
4 year standard fixed rate less package discount	5.99% p.a.	7.27% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.17% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.27% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.56% p.a.
5 year standard fixed rate less package discount	5.99% p.a.	7.16% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.89% p.a.	7.06% p.a.
LVR above 70% up to 80% (No change to standard rate)	5.99% p.a.	7.16% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.29% p.a.	7.45% p.a.

Fixed Rate Home Loan - Residential Investment with Advantage Package⁵

Our Advantage Package gives you a 0.20% p.a. interest rate discount and other product savings, for one $395 annual package fee⁵. Available on loans over $150,000.

Term	Annual Rate	Comparison Rate*
Principal & Interest
1 year standard fixed rate less package discount	6.34% p.a.	8.19% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.24% p.a.	8.09% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.34% p.a.	8.19% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.64% p.a.	8.48% p.a.
2 year standard fixed rate less package discount	6.09% p.a.	7.97% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	5.99% p.a.	7.87% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.09% p.a.	7.97% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.39% p.a.	8.26% p.a.
3 year standard fixed rate less package discount	6.19% p.a.	7.82% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.73% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.82% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	8.11% p.a.
4 year standard fixed rate less package discount	6.19% p.a.	7.67% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.58% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.67% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.96% p.a.
5 year standard fixed rate less package discount	6.19% p.a.	7.54% p.a.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.09% p.a.	7.44% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.19% p.a.	7.54% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.49% p.a.	7.83% p.a.

Basic Home Loan - New Owner Occupier Loans

Term	Annual Rate	Comparison Rate*
Principal & Interest Special offer¹ discount of 1.84% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.29% p.a.	6.30%p.a.
LVR above 70% up to 80% (No change to standard rate)	6.39% p.a.	6.40% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.69% p.a.	6.70% p.a.
Interest only Special offer² 1.43% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 70% (Includes further discount of 0.10% p.a.)	7.29% p.a.	7.30% p.a.
LVR above 70% up to 80% (No change to standard rate)	7.39% p.a.	7.40% p.a

Basic Home Loan - New Residential Investment Loans

LVR	Annual Rate	Comparison Rate*
Principal & Interest Special offer³ 2.15% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.54% p.a.	6.55% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.64% p.a.	6.65% p.a.
LVR above 80% (Includes margin of 0.30% p.a.)	6.94% p.a.	6.95% p.a.
Interest only Special offer⁴ 2.09% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 70% (Includes further discount of 0.10% p.a.)	6.89% p.a.	6.90% p.a.
LVR above 70% up to 80% (No change to standard rate)	6.99% p.a.	7.00% p.a.
LVR above 80% up to 90% (Includes margin of 0.30% p.a.)	7.29% p.a.	7.30% p.a.

Eligibility criteria:

This offer is available for new Basic Home Loans to St.George only
Excludes internal switches and refinances within Westpac, St.George, Bank of Melbourne and BankSA.
Excludes Owner Occupier Interest Only home loans.
Excludes Non-Resident Lending.

Variable Home Loan – Relocation Loans

OO loans only for a period of 12 months

Loan	Interest Only (IO) Rate	Comparison Rate*
Relocation Loan with end debt⁷	9.40% p.a.	9.54% p.a.
Relocation Loan without end debt⁷	9.40% p.a.	9.54% p.a.

Rate Lock

With the Rate Lock⁶ feature, your clients can lock in the current fixed interest rate. This way, for a fee, they're protected from the possibility of rising interest rates. The lower rate will apply if the current rate falls below the 'locked-in' rate on their settlement date. Rate Lock will hold the current fixed rate for up to 90 days after the rate has been locked in for a fee of 0.15% of the loan amount (minimum fee amount of $500, with maximum charge capped at $1,000 for loans up to $2M, and 0.15% of the loan amount for loan above $2M).

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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.

This information's been prepared without taking your clients objectives, needs and overall financial situation into account. For this reason, your client consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters.

Fixed 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.

^*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.

Basic Home Loan Promotional Rates:

¹Basic 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.

²Basic 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.

³Residential 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.

⁴Residential 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.

⁵Advantage Package: Conditions of Use apply and are available at stgeorge.com.au. Annual package fee of $395 applies. Not available to company and trust account holders. You must either hold or be approved for a St.George transaction account in order to qualify and continue to receive the benefits of the Advantage Package. Applications must also meet our approval guidelines on individual products to qualify for relevant package discounts.

⁶Rate Lock: St.George will apply the fixed rate available at the loan settlement date or the date the fixed rate term commences, unless you lock a fixed rate in on your loan using our Rate Lock feature. The fixed rate lock-in fee is 0.15% of your loan amount or $500, whichever is higher, capped at $1000 for loans up to $2M. For loans above $2M, the fixed rate lock-in fee is 0.15% of your loan amount. At the end of your fixed rate term, the interest rate will convert to our standard variable interest rate, unless a new fixed rate term’s selected and then the fixed rate is determined on the day the fixed term ends.

⁷Relocation 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.

⁺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.

Westpac Group Broker Code of Conduct (PDF 120KB)