Variable Home Loan with Offset
Our full-featured variable rate loan, with an offset account and redraw.
Category: Home Loans Last Updated December 10, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 2.32% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.
Interest Rate
5.64% PA
5.64% PA
Comparison Rate
6.03%PA*
6.03%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.06%, Comparison Rate 8.20%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.36%, Comparison Rate 8.50%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 8.55%, Comparison Rate 8.36%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.65%, Comparison Rate 8.46%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 5.64%, Comparison Rate 6.03%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.74%, Comparison Rate 6.12%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.04%, Comparison Rate 6.42%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 6.23%, Comparison Rate 6.25%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.33%, Comparison Rate 6.35%
- Repayment Type: Interest Only
- Loan Purpose: Owner Occupied
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 8.52%, Comparison Rate 8.66%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.62%, Comparison Rate 8.76%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.92%, Comparison Rate 9.06%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 8.81%, Comparison Rate 8.79%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 8.91%, Comparison Rate 8.89%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 9.21%, Comparison Rate 9.19%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 5.84%, Comparison Rate 6.22%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 5.94%, Comparison Rate 6.32%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.24%, Comparison Rate 6.62%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR up to 70%
- Lending Rate Type: Variable
- Interest Rate: 6.13%, Comparison Rate 6.32%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR 70% up to 80%
Minimum: 70.01 PERCENT Maximum: 80 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.23%, Comparison Rate 6.42%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR above 80%
Minimum: 80.01 PERCENT Maximum: 95 PERCENT
- Lending Rate Type: Variable
- Interest Rate: 6.53%, Comparison Rate 6.71%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Product Features
- Other Additional Information: Take a break from repayments: You can apply for Reduced Repayments or a Repayment Holiday for a set term (keep in mind after the break your repayments may be higher for the rest of your loan term).
- Other Additional Information: Option to split your loan : Make part of your loan a fixed interest rate and part a variable interest rate.
- Other Additional Information: Family Pledge : You could use the equity in a family member's home to guarantee part of your home loan
- Complementary Product Discounts
- Other Additional Information: Option to Loan Split/Subsequent Loan Sequence
- Offset Additional Information: Offset account : Full interest offset facility to help you save on interest on your home (fees apply).
- Redraw Additional Information: Redraw freedom : Make unlimited additional repayments to pay off your loan sooner, then redraw the funds if you ever need to.
- Digital Banking
- Other Additional Information: Building Loan Available feature
- Other Additional Information: The product includes a combination loan feature.
- Other Additional Information: The product provides options which includes reduced repayment, repayment holiday, portability and loan increase (top up) features
- Other Additional Information: The product includes a Relocation Loan End Debt feature
- Other Additional Information: The product includes Switching (from another product) feature
- Other Additional Information: Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking
- Other Additional Information: Substituting a security : You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security.
- Other Additional Information: Statements of account : We will send you a statement of your loan account at least every six months or more frequently if you request
- Other Additional Information: Complete your refinance loan application with FASTRefi. A faster and easier refinancing process compared to the standard way - so you could access your new St George home loan in days, as opposed to weeks. Eligibility applies.
- Other Additional Information: Cancellation of the package : A package owner may cancel the package at any time by giving us 14 days advance notice in writing.
- Extra Repayments Additional Information: The product includes extra repayment features.
- Other Additional Information: Maximum repayment term 30 years
Product Eligibility
- Min Age - 18. Additional Information: Applicant should be 18 years or over
- Residency Status - Should Be An Australian Or New Zealand Citizen(s) Or Permanent Resident(s).
- Other Additional Information: Individuals, Trusts (individual and company trustees), Company, Partnership
Bank Fees and Charges
- Lending Establishment Fee (Upfront), Amount: 600.00.
- Loan Account Fee (Periodic), Amount: 8.00.
- Document Processing Fee (Event), Amount: 100.00. Additional Information: The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, value transaction processing and, conveyancing activities required for mortgage lending settlements.
- Property Valuer Fee (Variable), Amount: Not Listed.. Additional Information: The Fee starts from $ 164 and the amount payable is dependent on location/value of security property(is)
- Missed Payment Fee (Event), Amount: 15.00. Additional Information: Fee payable when we send customer an arrears letter relating to an overdue amount
- Loan Discharge Fee (Event), Amount: 350.00. Additional Information: Per Mortgage
- Lenders Mortgage Insurance Premium (Variable), Amount: Not Listed.. Additional Information: If your deposit is less than 20% then Lenders Mortgage Insurance is usually required. There may be other circumstances where Lenders Mortgage Insurance is also required. As Lenders Mortgage Insurance reduces bank's risk as a lender when providing a home loan, you may be able to apply for a home loan and get into your home sooner, with a lower deposit. Lenders Mortgage Insurance insures bank for any shortfall in the event that you default on your loan and if the proceeds from the property sale are not enough to pay off the loan in full. The cost of Lenders Mortgage Insurance is calculated as a percentage of the loan amount. The percentage applied will vary depending on a number of factors. Please speak to your lender if you would like to understand this process in more detail. The cost of Lenders Mortgage Insurance premium is passed on to you. We do not receive a commission on Lenders Mortgage Insurance.
- Annual Advantage Package Fee (Periodic), Amount: 395.00.
Limitations & Restrictions (Constraints)
- Min Lvr of 0.00
- Max Lvr of 0.95
- Min Limit of 10000.00 Additional Information: The minimum amount financed is $10,000
Document Downloads
loan-accounts.pdf (147.6 KB)
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