Refinance calculator
Looking to do the switcheroo? See how much interest you could save by switching your home loan to us.
Why refinance your home loan to us?
Start your application online
A home loan expert will call you once you have submitted your application to talk through next steps.
Already have a St.George home loan with us?
You can apply to increase your home loan. Note that this is different from a home loan refinance. Apply for a home loan increase.
Articles & tools
Compare home loans
See at a glance how fees, features and loan purposes differ by product.
Compare interest rates
View and compare all of our current home loan interest rates.
Other home loan calculators
Mortgage calculator
Find out how much you may be able to borrow and the potential costs involved in buying a home.
Home loan repayment calculator
See how much you may need to pay back each week or month.
Stamp duty calculator
Work out how much you could pay in stamp duty and other fees.
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 calculation is not an offer of credit but an estimate only. Your borrowing power amount may be different when you complete a full application and we capture all details relevant to our lending criteria. Our lending criteria and basis upon which we assess what you can afford may change at any time without notice. Before acting on this calculation you should seek professional advice.
Loans subject to credit criteria. Where the loan to valuation ratio is 80% or above, lender’s mortgage insurance will be required for a fee. Other fees, charges and purchase costs apply. Terms and Conditions available upon application. (Additional funds required for transaction and establishment costs).
The calculator does not take into account any future refinancing options which may be available. The calculator does not take into account any applicable bank fees. For details on fees and charges, please go to stgeorge.com.au.
The output or result of these calculators:
- is subject to the assumptions which are subject to change;
- is prepared without knowing your personal financial circumstances. Before you act on the output of the calculators, please consider if it’s right for you. If you need more information, please call 13 33 30. We recommend that you consult your financial adviser before taking out a loan;
- does not represent either a quote or pre-qualification for a loan;
- may not be taken into account if you apply for a loan with us as we will make our own calculations. When assessing ability to service a loan, St.George may use an interest rate that is higher than the current interest rate for the loan requested.
The interest rates used in the calculator:
- are current, as indicated on our home loan interest rate pages
- are St.George's standard interest rates and include any package or promotional discounts; and
- are subject to change.
- LVR above 70% up to 80%
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.
^^^Basic 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.
^^^^ FASTRefi®: Only available: on eligible new St.George home loans; on eligible home loans with your current lender; if your other lender is on the FASTRefi® process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the FASTRefi® product is determined by St.George in conjunction with the insurance product guidelines. FASTRefi® is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider FASTRefi’s® appropriateness and read the disclosure documents for your selected loan, including the Terms and Conditions, before deciding.
*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.
+++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.
+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.
++Potential savings: gives an indication of the amount you could save on new repayments if you switched to the St.George home loan example, with calculations based on monthly repayments, in respect to the original amount, annual interest rate and term you entered. Potential savings over the life of your loan are based on the difference between estimated total interest on your current home loan and the St.George home loan. Loan term reduction amount is based on the time you could save by paying off the St.George home loan if you increased your repayments. Extra interest you could save calculation is based on increasing your repayments on the St.George home loan.
^^Rate 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.