Help me choose a home loan 

Answer a few questions, and our home loan selector will match up some options.

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Basic, offset, fixed or split? Home loan features can seem complex, so we're here to make choosing a home loan simpler.

Whether you're looking for a new loan – or simply checking if your St.George loan is still the right fit – just answer these questions.

What are your plans?

Do you want the freedom to make extra repayments?

What matters to you most?

What matters to you most?

Which St.George home loan would you like to change?

Do you want the freedom to make extra repayments?

What matters to you most?

What matters to you most?

Do you want the freedom to make extra repayments?

What matters to you most?

What matters to you most?

How long until your fixed term ends?

Do you want the freedom to make extra repayments?

What matters to you most?

What matters to you most?

Do you want the freedom to make extra repayments?

What matters to you most?

What matters to you most?

Your options

Variable home loan with offset

What you’ll get
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option for house & land packages, building your dream home or renovating
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • $600 loan establishment fee, unless packaged ($395 annual package fee#)
  • Interest rate could rise or fall, impacting minimum repayments
  • $100,000 daily redraw limit

Split home loan (with offset option)

What you’ll get
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k) 
  • All-in-one package option savings ($395 annual package fee applies#)
  • No redraw fee1 
  • Interest Only option2 up to 5 years (up to 10 years for investors) 
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall, impacting minimum repayments; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Your options

Split home loan (with offset option)

What you’ll get
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k) 
  • All-in-one package option savings ($395 annual package fee applies#)
  • No redraw fee1 
  • Interest Only option2 up to 5 years (up to 10 years for investors) 
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall, impacting minimum repayments; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Split home loan (basic with packaged fixed)

What you’ll get
  • Variable loan freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; investor Interest in Advance 0.2% p.a. rate discount available3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k)
  • No loan, monthly or annual fees when you package your fixed loan ($395 annual package fee#)
  • No redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall; your minimum repayments will likely fluctuate; $100,000 daily redraw limit; offset account unavailable
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Your options

Basic variable home loan

What you’ll get
  • Our no-frills variable rate 
  • No application, establishment, monthly or annual fees 
  • Freedom to make unlimited extra repayments, no redraw1 fee  
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Option to reduce your min repayments if your interest rate falls
  • Only available on new loans
Considerations

Split home loan (basic with packaged fixed)

What you’ll get
  • Variable loan freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; investor Interest in Advance 0.2% p.a. rate discount available3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k)
  • No loan, monthly or annual fees when you package your fixed loan ($395 annual package fee#)
  • No redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall; your minimum repayments will likely fluctuate; $100,000 daily redraw limit; offset account unavailable
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Your options

Basic variable home loan

What you’ll get
  • Our no-frills variable rate 
  • No application, establishment, monthly or annual fees 
  • Freedom to make unlimited extra repayments, no redraw1 fee  
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Option to reduce your min repayments if your interest rate falls
  • Only available on new loans
Considerations

Split home loan (basic with packaged fixed)

What you’ll get
  • Variable loan freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; investor Interest in Advance 0.2% p.a. rate discount available3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k)
  • No loan, monthly or annual fees when you package your fixed loan ($395 annual package fee#)
  • No redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall; your minimum repayments will likely fluctuate; $100,000 daily redraw limit; offset account unavailable
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Your options

Fixed home loan

What you’ll get
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Package option savings ($395 annual package fee applies#)
  • Up to $30k in extra repayments+, no redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors) 
  • Optional investor Interest in Advance (0.2% p.a. rate discount)3
Considerations
  • May be a break cost+ if you sell, prepay over $30k or adjust your fixed loan within your fixed term
  • $600 fixed loan establishment fee, unless packaged ($395 annual package fee#)
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Split home loan (with offset option)

What you’ll get
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k) 
  • All-in-one package option savings ($395 annual package fee applies#)
  • No redraw fee1 
  • Interest Only option2 up to 5 years (up to 10 years for investors) 
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall, impacting minimum repayments; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Variable home loan with offset

What you’ll get
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option for house & land packages, building your dream home or renovating
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • $600 loan establishment fee, unless packaged ($395 annual package fee#)
  • Interest rate could rise or fall, impacting minimum repayments
  • $100,000 daily redraw limit

Your options

Fixed home loan

What you’ll get
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Package option savings ($395 annual package fee applies#)
  • Up to $30k in extra repayments+, no redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors) 
  • Optional investor Interest in Advance (0.2% p.a. rate discount)3
Considerations
  • May be a break cost+ if you sell, prepay over $30k or adjust your fixed loan within your fixed term
  • $600 fixed loan establishment fee, unless packaged ($395 annual package fee#)
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Split home loan (basic with packaged fixed)

What you’ll get
  • Variable loan freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; investor Interest in Advance 0.2% p.a. rate discount available3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay over $30k)
  • No loan, monthly or annual fees when you package your fixed loan ($395 annual package fee#)
  • No redraw fee1
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts 
Considerations
  • Variable rate portion: interest rate could rise or fall; your minimum repayments will likely fluctuate; $100,000 daily redraw limit; offset account unavailable
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k; $600 establishment fee, unless packaged ($395 annual package fee#)

Your options

Staying on your Basic home loan

What you’ll get
  • Our no-frills variable rate 
  • No application, establishment, monthly or annual fees 
  • Freedom to make unlimited extra repayments, no redraw1 fee  
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors) 
Considerations

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Splitting your Basic home loan with a packaged fixed rate

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep you variable rate freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • No monthly or annual fees if you package your fixed loan ($395 annual package fee#)
  • Interest Only option2
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • New fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall impacting your minimum repayments; $100,000 daily redraw limit; offset unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Upgrading to our packaged Standard Variable with offset

What you’ll get
  • No fee to change to this loan
  • Freedom to make unlimited extra repayments, no redraw1 fee 
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts 
Considerations
  • Variable interest rate higher than your Basic home loan
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 
  • Interest rate could still rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Upgrading to our Standard Variable with offset, then splitting

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Variable rate freedom: 100% offset account option (up to 99 accounts); unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Staying on your Basic home loan

What you’ll get
  • Our no-frills variable rate 
  • No application, establishment, monthly or annual fees 
  • Freedom to make unlimited extra repayments, no redraw1 fee  
  • No fee to switch to Interest Only repayments** up to 5 years (up to 10 years for investors) 
Considerations

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Splitting your Basic home loan with a packaged fixed rate

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep you variable rate freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • No monthly or annual fees if you package your fixed loan ($395 annual package fee#)
  • Interest Only option2
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • New fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall impacting your minimum repayments; $100,000 daily redraw limit; offset unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Staying on your Basic home loan

What you’ll get
  • Our no-frills variable rate 
  • No application, establishment, monthly or annual fees 
  • Freedom to make unlimited extra repayments, no redraw1 fee  
  • No fee to switch to Interest Only repayments** up to 5 years (up to 10 years for investors) 
Considerations

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Splitting your Basic home loan with a packaged fixed rate

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep you variable rate freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • No monthly or annual fees if you package your fixed loan ($395 annual package fee#)
  • Interest Only option2
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • New fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall impacting your minimum repayments; $100,000 daily redraw limit; offset unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Fixing all of your variable rate loan

What you’ll get
  • No fee to change to a fixed rate
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • No fee to switch to monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Investor Interest in Advance available3
Considerations
  • Before fixing, you’ll need to consider what to do with any redraw funds available in your variable home loan account, and any funds in a linked offset account
  • There may be a break cost+ if you sell your home, prepay over $30k or adjust your loan within your fixed term
  • 100% offset unavailable
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Upgrading to our Standard Variable with offset, then splitting

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Variable rate freedom: 100% offset account option (up to 99 accounts); unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Upgrading to our packaged Standard Variable with offset

What you’ll get
  • No fee to change to this loan
  • Freedom to make unlimited extra repayments, no redraw1 fee 
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts 
Considerations
  • Variable interest rate higher than your Basic home loan
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 
  • Interest rate could still rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Fixing all of your variable rate loan

What you’ll get
  • No fee to change to a fixed rate
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • No fee to switch to monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Investor Interest in Advance available3
Considerations
  • Before fixing, you’ll need to consider what to do with any redraw funds available in your variable home loan account, and any funds in a linked offset account
  • There may be a break cost+ if you sell your home, prepay over $30k or adjust your loan within your fixed term
  • 100% offset unavailable
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Upgrading to our Standard Variable with offset, then splitting

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Variable rate freedom: 100% offset account option (up to 99 accounts); unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Splitting your Basic home loan with a packaged fixed rate

What you’ll get
  • No fee to change to this loan, split or redraw1
  • Fixed rate certainty: package interest rate discount ($395 annual package fee#); rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep you variable rate freedom: our no-frills variable rate; no application, establishment, monthly or annual fees; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • No monthly or annual fees if you package your fixed loan ($395 annual package fee#)
  • Interest Only option2
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • New fixed rate portion: if market interest rates fall, your rate will stay the same; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall impacting your minimum repayments; $100,000 daily redraw limit; offset unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Staying on your Standard Variable with offset

What you’ll get
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw fee1
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • Interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Staying on your Standard Variable with offset

What you’ll get
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw fee1
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • Interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your option

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Staying on your Standard Variable with offset

What you’ll get
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw fee1
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • Interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Fixing all of your variable rate loan

What you’ll get
  • No fee to change to a fixed rate
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • No fee to switch to monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Investor Interest in Advance available3
Considerations
  • Before fixing, you’ll need to consider what to do with any redraw funds available in your variable home loan account, and any funds in a linked offset account
  • There may be a break cost+ if you sell your home, prepay over $30k or adjust your loan within your fixed term
  • 100% offset unavailable
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Fixing all of your variable rate loan

What you’ll get
  • No fee to change to a fixed rate
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • No fee to switch to monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Investor Interest in Advance available3
Considerations
  • Before fixing, you’ll need to consider what to do with any redraw funds available in your variable home loan account, and any funds in a linked offset account
  • There may be a break cost+ if you sell your home, prepay over $30k or adjust your loan within your fixed term
  • 100% offset unavailable
  • If interest rates fall, your rate and repayments won’t change
  • Building option unavailable

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Split – fixing some of your Standard Variable rate

What you’ll get
  • No fee to split your loan, or redraw1
  • Fixed term certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Keep your variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Monthly loan account fee (unless packaged, $395 annual package fee#) 

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Rolling onto our Standard Variable with offset

What you’ll get
  • No fee to roll onto this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#)
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, affecting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Your options

Rolling onto our Standard Variable with offset

What you’ll get
  • No fee to roll onto this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#)
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, affecting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Your option

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Your options

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Rolling onto our Standard Variable with offset

What you’ll get
  • No fee to roll onto this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#)
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rates could rise or fall, affecting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Re-fixing your home loan

What you’ll get
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • Option to re-fix on monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Optional investor Interest in Advance (0.2% p.a. rate discount)3
Considerations
  • May be a break cost+ if you sell your home, prepay over $30k or adjust your fixed loan more than 5 weeks before your fixed term ends
  • If interest rates fall, your rate and repayments won’t change
  • 100% offset unavailable

Rolling onto our Standard Variable with offset

What you’ll get
  • No fee to roll onto this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#)
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, affecting your minimum repayments
  • $100,000 daily redraw limit

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your variable interest rate.

Your options

Re-fixing your home loan

What you’ll get
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
  • Package option savings ($395 annual package fee applies#) 
  • Option to re-fix on monthly Interest Only repayments2 up to 5 years (up to 10 years for investors) 
  • Optional investor Interest in Advance (0.2% p.a. rate discount)3
Considerations
  • May be a break cost+ if you sell your home, prepay over $30k or adjust your fixed loan more than 5 weeks before your fixed term ends
  • If interest rates fall, your rate and repayments won’t change
  • 100% offset unavailable

Fixed expiry split with Standard Variable (optional offset)

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit+)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Interest Only option2 up to 5 years (up to 10 years for investors)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset only available on your variable loan; fixed loan break cost+ if you prepay over $30k
  • Monthly loan account fee (unless packaged, $395 annual package fee#)

Thanks for staying with St.George

Good news: if your situation's changed over the years, we can review your interest rate when you roll onto variable.

Your options

Break cost – changing to our Standard Variable with offset

What you’ll get
  • No switching fee to change to this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

There may be a break cost

To change your St.George fixed rate to our variable rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Break cost – splitting with our Standard Variable with offset

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; Interest Only option2 up to 5 years (up to 10 years for investors); building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • There may be a break cost+ if you split your fixed loan, more than 5 weeks before your fixed term ends
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit1
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset unavailable; fixed loan break cost+ if you prepay over $30k

There may be a break cost 

To split your St.George fixed rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Your options

Break cost – splitting with our Standard Variable with offset

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; Interest Only option2 up to 5 years (up to 10 years for investors); building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • There may be a break cost+ if you split your fixed loan, more than 5 weeks before your fixed term ends
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit1
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset unavailable; fixed loan break cost+ if you prepay over $30k

There may be a break cost 

To split your St.George fixed rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Break cost – changing to our Standard Variable with offset

What you’ll get
  • No switching fee to change to this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

There may be a break cost

To change your St.George fixed rate to our variable rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Your option

Break cost – splitting with our Standard Variable with offset

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; Interest Only option2 up to 5 years (up to 10 years for investors); building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • There may be a break cost+ if you split your fixed loan, more than 5 weeks before your fixed term ends
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit1
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset unavailable; fixed loan break cost+ if you prepay over $30k

There may be a break cost 

To split your St.George fixed rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Your options

Staying on your fixed rate (to avoid a break cost)

What you’ll get
  • Package option savings ($395 annual package fee applies#) 
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
Considerations
  • May be a break cost+ if you sell your home, prepay over $30k or adjust your fixed loan more than 5 weeks before your fixed term ends
  • If interest rates fall, your rate and repayments won’t change
  • 100% offset unavailable 

Break cost – changing to our Standard Variable with offset

What you’ll get
  • No switching fee to change to this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

There may be a break cost

To change your St.George fixed rate to our variable rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Break cost – splitting with our Standard Variable with offset

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; Interest Only option2 up to 5 years (up to 10 years for investors); building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • There may be a break cost+ if you split your fixed loan, more than 5 weeks before your fixed term ends
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit1
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset unavailable; fixed loan break cost+ if you prepay over $30k

There may be a break cost 

To split your St.George fixed rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Your options

Staying on your fixed rate (to avoid a break cost)

What you’ll get
  • Package option savings ($395 annual package fee applies#) 
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
Considerations
  • May be a break cost+ if you sell your home, prepay over $30k or adjust your fixed loan more than 5 weeks before your fixed term ends
  • If interest rates fall, your rate and repayments won’t change
  • 100% offset unavailable 

Break cost – changing to our Standard Variable with offset

What you’ll get
  • No switching fee to change to this loan
  • Optional 100% offset account to help reduce your home loan interest
  • Package option savings ($395 annual package fee applies#) 
  • Freedom to make unlimited extra repayments, no redraw1 fee
  • Option to reduce your min repayments if your interest rate falls
  • Building option 
  • No fee to switch to Interest Only repayments2 up to 5 years (up to 10 years for investors)
  • Link to up to 99 offset accounts
Considerations
  • There may be a break cost+ if you move to this loan from your fixed loan, more than 5 weeks before your fixed term ends
  • Interest in Advance3 isn’t available on variable investment home loans
  • Variable interest rate could rise or fall, impacting your minimum repayments
  • $100,000 daily redraw limit

There may be a break cost

To change your St.George fixed rate to our variable rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Break cost – splitting with our Standard Variable with offset

What you’ll get
  • No fee to split your loan, or redraw1
  • Variable rate freedom: 100% offset account option; unlimited extra repayments; option to reduce min repayments if rates fall; Interest Only option2 up to 5 years (up to 10 years for investors); building option
  • Fixed rate certainty: rate and min repayments locked up to 5 years; up to $30k in extra repayments+ during term; optional investor Interest in Advance (0.2% p.a. rate discount)3
  • Ability to reduce interest by moving extra repayments into whichever fixed or variable loan has the higher interest rate (fixed loan break cost+ if you prepay more than your limit)
  • All-in-one package option savings (annual $395 package fee applies#)
  • Split between up to four separate fixed and variable loan accounts
Considerations
  • There may be a break cost+ if you split your fixed loan, more than 5 weeks before your fixed term ends
  • Variable rate portion: interest rate could rise or fall, your minimum repayments will likely fluctuate; $100,000 daily redraw limit1
  • Fixed rate portion: if market interest rates fall, your rate will stay the same; 100% offset unavailable; fixed loan break cost+ if you prepay over $30k

There may be a break cost 

To split your St.George fixed rate more than 5 weeks before your fixed term ends, please get in touch for a break cost quote. And if your situation's changed over the years, we can also review the variable interest rate.

Your option

Staying on your fixed rate (to avoid a break cost)

What you’ll get
  • Package option savings ($395 annual package fee applies#) 
  • Rate and min repayments locked in for up to 5 years, even if market interest rates rise
  • Up to $30k in extra repayments+, no redraw fee1
Considerations
  • May be a break cost+ if you sell your home, prepay over $30k or adjust your fixed loan more than 5 weeks before your fixed term ends
  • If interest rates fall, your rate and repayments won’t change
  • 100% offset unavailable 

All of our finance options

Good to know 

Your St.George home loan comes with a redraw facility that lets you tap into your ‘Available’ funds (extra repayments) should you need to with no minimum amount or redraw fee.1 Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term.

Request a call back

A St.George home loan expert will call you back.

Call us on

1300 304 660

To talk with a St.George home loan agent.
(8am-8pm Mon-Fri and 9am-6pm Sat)

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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.

+Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 202KB).

#Advantage 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.

1Redraw facility: if you have 'available funds' (you’re ahead on your home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 83KB) for full details.

2Interest Only repayments: Conditions apply. It’s important to understand that interest rates for loans with Interest Only repayments are higher. Your repayments will increase at the end of the Interest Only term as the amount you’ve borrowed will need to be paid back in a shorter timeframe. This also means you’ll pay more interest over the life of the loan with an Interest Only repayment term, than if you’d opted to continue paying principal and interest. There’s a maximum of 5 years for Owner Occupied loans and 10 years for Investment loans on Interest Only repayments over the life of the loan. If you’ve had less than this, you may be able to extend the Interest Only repayment term, subject to conditions and a new assessment. You’ll need to start the process well in advance of your expiry date and provide details of your income, expenses and liabilities.

3Interest in Advance: a discount of 0.2% p.a. will apply only if the Interest in Advance amount is deducted from a St.George transaction account. Interest must be paid in advance annually for each chosen fixed rate term to receive this rate. If after the first year of a fixed rate term interest is no longer paid in advance, the Interest in Advance discount will be removed for subsequent years.