Basic Variable Home Loan

General Lending Rates

Product Variations

• Lending Rate Type: Variable
• Interest Rate: 5.64%, Comparison Rate 5.65%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.94%, Comparison Rate 5.95%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.54%, Comparison Rate 5.97%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 6.64%, Comparison Rate 6.07%
• Repayment Type: Interest Only
• Loan Purpose: Owner Occupied

• Lending Rate Type: Variable
• Interest Rate: 5.79%, Comparison Rate 5.80%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 5.89%, Comparison Rate 5.90%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.19%, Comparison Rate 6.20%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.14%, Comparison Rate 5.95%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.24%, Comparison Rate 6.05%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Variable
• Interest Rate: 6.54%, Comparison Rate 6.35%
• Repayment Type: Interest Only
• Loan Purpose: Investment

Product Features

• Other Additional Information: Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly

• Other Additional Information: No application fee: A no-frills home loan with $0 lending establishment fee.

• Other Additional Information: No ongoing monthly fees: $0 monthly account-keeping fee. Other fees may apply

• Other Additional Information: Limitless extra repayments: With no extra repayment fee or limits, you?re free to pay off your loan as fast as you like.

• Redraw Additional Information: Flexibility: Fee-free options include unlimited redraw, Interest Only and reducing repayments if rates fall.

• Digital Banking

• Other Additional Information: Option to Loan Split/Subsequent Loan Sequence

• 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.

• Extra Repayments Additional Information: Subject to terms and conditions, this 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 Only

Bank Fees and Charges

• Lending Establishment Fee (Upfront), Amount: 0.00.

• Loan Account Fee (Periodic), Amount: 0.00.

• 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.

 Limitations & Restrictions (Constraints)

• Min Lvr of 0.00

• Max Lvr of 0.95

• Min Limit of 30000.00 Additional Information: The minimum amount financed is $30,000

• Max Limit of 5000000.00 Additional Information: The maximum amount financed is $5,000,000.00

Document Downloads

  loan-accounts.pdf (147.6 KB)