Why choose St.George Bank

Benefits

  • Package deals available to bundle other financial products together
  • Some loans offer discounted interest rates for new customers or package deals
  • Comprehensive customer service offering
  • Large variety of home loans

Drawbacks

  • Fees and charges apply to loans
  • Higher rates for some riskier customers

St.George Bank Home Loans

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Australian Credit Licence 233714Fees & charges apply

9.11%

9.25%

$2,964

Standard Variable Rate Home Loan
  • Cashback
  • Owner Occupied
  • Variable
  • 5% min deposit
  • P&I

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

6.54%

7.98%

$2,372

Fixed Rate Home Loan (with Advantage Package)
  • Cashback
  • Owner Occupied
  • Fixed undefined year
  • 5% min deposit
  • P&I

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

6.69%

6.70%

$2,405

Basic Home Loan
  • Cashback
  • Owner Occupied
  • Variable
  • 5% min deposit
  • P&I

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

6.29%

6.30%

$2,318

Basic Home Loan
  • Cashback
  • Owner Occupied
  • Variable
  • 30% min deposit
  • P&I

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

6.39%

6.40%

$2,339

Basic Home Loan
  • Cashback
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 233714Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

$
130
25 years

Your estimated mortgage repayments

at interest rate 5.84%

Total interest payable

$0

Total loan repayments

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St.George Bank customer service

Home Loan customers can contact St. George Bank by phone, by popping into a branch, by submitting an online enquiry form or chatting to a customer support staff member via online chat.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Live Chat

✓     Branch

✓     Mobile banking staff

How to apply for a St George home loan

You can apply for a home loan from St.George by calling the bank, applying online, or visiting a branch. 

Before applying for a home loan, it’s important to calculate how much you can realistically afford to borrow and comfortably repay in your current financial situation. 

You will also need to provide documentation when applying for a home loan, including:

  • Identification that includes the name and contact details of each borrower.
  • Details of your current income and expenses.
  • Records of any current assets or liabilities.

St.George home loans review

St.George is part of the Westpac banking group, and is able to offer a wide range of home loan options to different customers. Fixed and variable rate home loans are available for owner occupiers and investors, including first home buyers and refinancers.  A building loan is also available for borrowers looking for money to help them build a property, and a portfolio loan offers a line of credit.

St.George’s lowest interest rates tend to be for owner occupiers with low LVRs, especially if they choose to package their home loan with other St.George Bank financial products. Variable and fixed interest rates are available, with the option to fix for up to five years. Split interest rates are also available on some St.George home loans.

Several of St.George Bank’s home loans charge upfront and ongoing fees, which could affect its overall cost. Some charge a monthly account keeping fee, while bundled home loan charge a higher annual package fee.

Extra repayments and redraws are available on St.George home loans. Full and partial offset accounts are also available with some mortgage options. And borrowers with low deposits may be able to get a guarantor in their family to help secure their loan with their own property.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.