St.George Bank home loan repayment calculator

Thinking about taking out a home loan with St.George Bank? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how St.George Bank home loans compare with other options.

I'd like to borrow

$

I am an

Loan term

With a repayment type

Your estimated repayments

at interest rate 2.59 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

Pros
  • Large variety of home loans
  • Package deals available to bundle other financial products together
  • Comprehensive customer service offering
  • Some loans offer discounted interest rates for new customers or package deals
Cons
  • Fees and charges apply to loans
  • Higher rates for some riskier customers

St.George Bank home loans rates

Product
Advertised Rate
Total estimated upfront fees
Company
Comparison Rate*
Ongoing fee
Go to site

2.59%

Variable

$264
St.George Bank

2.61%

$0
More details

2.64%

Variable

$264
St.George Bank

2.66%

$0
More details

2.69%

Variable

$264
St.George Bank

2.71%

$0
More details

3.04%

Variable

$264
St.George Bank

3.06%

$0
More details

3.09%

Variable

$264
St.George Bank

3.11%

$0
More details

3.14%

Variable

$264
St.George Bank

3.16%

$0
More details

3.24%

Variable

$764
St.George Bank

3.26%

$0
More details

3.29%

Variable

$764
St.George Bank

3.31%

$0
More details

2.19%

Fixed - 3 years

$0
St.George Bank

3.33%

$395 annually
More details

2.24%

Fixed - 3 years

$0
St.George Bank

3.38%

$395 annually
More details

2.69%

Fixed - 5 years

$0
St.George Bank

3.39%

$395 annually
More details

2.19%

Fixed - 2 years

$0
St.George Bank

3.41%

$395 annually
More details

2.69%

Fixed - 4 years

$0
St.George Bank

3.42%

$395 annually
More details

2.29%

Fixed - 3 years

$0
St.George Bank

3.43%

$395 annually
More details

2.74%

Fixed - 5 years

$0
St.George Bank

3.44%

$395 annually
More details

2.24%

Fixed - 2 years

$0
St.George Bank

3.45%

$395 annually
More details

2.74%

Fixed - 4 years

$0
St.George Bank

3.47%

$395 annually
More details

2.19%

Fixed - 1 year

$0
St.George Bank

3.48%

$395 annually
More details

2.79%

Fixed - 5 years

$0
St.George Bank

3.49%

$395 annually
More details

2.29%

Fixed - 2 years

$0
St.George Bank

3.50%

$395 annually
More details

2.79%

Fixed - 4 years

$0
St.George Bank

3.52%

$395 annually
More details

2.24%

Fixed - 1 year

$0
St.George Bank

3.53%

$395 annually
More details

3.14%

Variable

$0
St.George Bank

3.57%

$395 annually
More details

2.29%

Fixed - 1 year

$0
St.George Bank

3.58%

$395 annually
More details

3.19%

Variable

$0
St.George Bank

3.62%

$395 annually
More details

3.24%

Variable

$0
St.George Bank

3.67%

$395 annually
More details

2.59%

Fixed - 3 years

$0
St.George Bank

3.83%

$395 annually
More details

3.09%

Fixed - 4 years

$0
St.George Bank

3.87%

$395 annually
More details

3.09%

Fixed - 5 years

$0
St.George Bank

3.87%

$395 annually
More details

2.64%

Fixed - 3 years

$0
St.George Bank

3.88%

$395 annually
More details

2.59%

Fixed - 2 years

$0
St.George Bank

3.92%

$395 annually
More details

3.14%

Fixed - 4 years

$0
St.George Bank

3.92%

$395 annually
More details

3.14%

Fixed - 5 years

$0
St.George Bank

3.92%

$395 annually
More details

2.69%

Fixed - 3 years

$0
St.George Bank

3.93%

$395 annually
More details

3.94%

Variable

$764
St.George Bank

3.95%

$0
More details

2.64%

Fixed - 2 years

$0
St.George Bank

3.97%

$395 annually
More details

3.19%

Fixed - 5 years

$0
St.George Bank

3.97%

$395 annually
More details

2.84%

Fixed - 5 years

$864
St.George Bank

3.98%

$10 monthly
More details

3.95%

Variable

$764
St.George Bank

4.00%

$0
More details

3.19%

Fixed - 4 years

$0
St.George Bank

4.01%

$395 annually
More details

2.69%

Fixed - 2 years

$0
St.George Bank

4.02%

$395 annually
More details

2.79%

Fixed - 1 year

$0
St.George Bank

4.03%

$395 annually
More details

2.89%

Fixed - 5 years

$864
St.George Bank

4.03%

$10 monthly
More details

2.94%

Fixed - 5 years

$864
St.George Bank

4.07%

$10 monthly
More details

2.34%

Fixed - 3 years

$864
St.George Bank

4.08%

$10 monthly
More details

2.84%

Fixed - 1 year

$0
St.George Bank

4.08%

$395 annually
More details

2.79%

Fixed - 3 years

$0
St.George Bank

4.09%

$395 annually
More details

2.84%

Fixed - 4 years

$864
St.George Bank

4.09%

$10 monthly
More details

3.59%

Fixed - 3 years

$0
St.George Bank

4.11%

$395 annually
More details

3.29%

Fixed - 5 years

$0
St.George Bank

4.12%

$395 annually
More details

3.59%

Fixed - 2 years

$0
St.George Bank

4.12%

$395 annually
More details

3.70%

Variable

$0
St.George Bank

4.12%

$395 annually
More details

2.39%

Fixed - 3 years

$864
St.George Bank

4.13%

$10 monthly
More details

2.89%

Fixed - 1 year

$0
St.George Bank

4.13%

$395 annually
More details

3.59%

Fixed - 1 year

$0
St.George Bank

4.13%

$395 annually
More details

2.84%

Fixed - 3 years

$0
St.George Bank

4.14%

$395 annually
More details

2.89%

Fixed - 4 years

$864
St.George Bank

4.14%

$10 monthly
More details

3.73%

Variable

$0
St.George Bank

4.14%

$395 annually
More details

3.64%

Fixed - 3 years

$0
St.George Bank

4.16%

$395 annually
More details

3.75%

Variable

$0
St.George Bank

4.16%

$395 annually
More details

3.29%

Fixed - 4 years

$0
St.George Bank

4.17%

$395 annually
More details

3.34%

Fixed - 5 years

$0
St.George Bank

4.17%

$395 annually
More details

3.64%

Fixed - 2 years

$0
St.George Bank

4.17%

$395 annually
More details

2.44%

Fixed - 3 years

$864
St.George Bank

4.18%

$10 monthly
More details

3.64%

Fixed - 1 year

$0
St.George Bank

4.18%

$395 annually
More details

2.79%

Fixed - 2 years

$0
St.George Bank

4.19%

$395 annually
More details

2.94%

Fixed - 4 years

$864
St.George Bank

4.19%

$10 monthly
More details

3.78%

Variable

$0
St.George Bank

4.19%

$395 annually
More details

3.34%

Fixed - 4 years

$0
St.George Bank

4.21%

$395 annually
More details

3.69%

Fixed - 3 years

$0
St.George Bank

4.21%

$395 annually
More details

3.80%

Variable

$0
St.George Bank

4.21%

$395 annually
More details

3.69%

Fixed - 2 years

$0
St.George Bank

4.22%

$395 annually
More details

2.84%

Fixed - 2 years

$0
St.George Bank

4.23%

$395 annually
More details

3.69%

Fixed - 1 year

$0
St.George Bank

4.23%

$395 annually
More details

3.83%

Variable

$0
St.George Bank

4.24%

$395 annually
More details

2.34%

Fixed - 2 years

$864
St.George Bank

4.25%

$10 monthly
More details

4.04%

Fixed - 4 years

$0
St.George Bank

4.25%

$395 annually
More details

4.04%

Fixed - 5 years

$0
St.George Bank

4.27%

$395 annually
More details

2.39%

Fixed - 2 years

$864
St.George Bank

4.30%

$10 monthly
More details

4.09%

Fixed - 4 years

$0
St.George Bank

4.30%

$395 annually
More details

2.99%

Fixed - 1 year

$0
St.George Bank

4.31%

$395 annually
More details

4.09%

Fixed - 5 years

$0
St.George Bank

4.32%

$395 annually
More details

2.44%

Fixed - 2 years

$864
St.George Bank

4.35%

$10 monthly
More details

3.04%

Fixed - 1 year

$0
St.George Bank

4.35%

$395 annually
More details

4.14%

Fixed - 4 years

$0
St.George Bank

4.35%

$395 annually
More details

4.14%

Fixed - 5 years

$0
St.George Bank

4.37%

$395 annually
More details

3.99%

Variable

$0
St.George Bank

4.40%

$395 annually
More details

2.34%

Fixed - 1 year

$864
St.George Bank

4.43%

$10 monthly
More details

4.04%

Variable

$0
St.George Bank

4.45%

$395 annually
More details

3.24%

Fixed - 5 years

$864
St.George Bank

4.46%

$10 monthly
More details

2.39%

Fixed - 1 year

$864
St.George Bank

4.48%

$10 monthly
More details

4.09%

Variable

$0
St.George Bank

4.50%

$395 annually
More details

3.29%

Fixed - 5 years

$864
St.George Bank

4.51%

$10 monthly
More details

2.44%

Fixed - 1 year

$864
St.George Bank

4.53%

$10 monthly
More details

3.34%

Fixed - 5 years

$864
St.George Bank

4.55%

$10 monthly
More details

2.74%

Fixed - 3 years

$864
St.George Bank

4.58%

$10 monthly
More details

3.24%

Fixed - 4 years

$864
St.George Bank

4.58%

$10 monthly
More details

3.39%

Fixed - 5 years

$864
St.George Bank

4.60%

$395 annually
More details

2.79%

Fixed - 3 years

$864
St.George Bank

4.63%

$10 monthly
More details

3.29%

Fixed - 4 years

$864
St.George Bank

4.63%

$10 monthly
More details

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.

Learn more about St.George Bank

Who has the best home loan?

Determining who has the ‘best’ home loan really does depend on your own personal circumstances and requirements. It may be tempting to judge a loan merely on the interest rate but there can be added value in the extras on offer, such as offset and redraw facilities, that aren’t available with all low rate loans.

To determine which loan is the best for you, think about whether you would prefer the consistency of a fixed loan or the flexibility and potential benefits of a variable loan. Then determine which features will be necessary throughout the life of your loan. Thirdly, consider how much you are willing to pay in fees for the loan you want. Once you find the perfect combination of these three elements you are on your way to determining the best loan for you. 

Who offers 40 year mortgages?

Home loans spanning 40 years are offered by select lenders, though the loan period is much longer than a standard 30-year home loan. You're more likely to find a maximum of 35 years, such as is the case with Teacher’s Mutual Bank

Currently, 40 year home loan lenders in Australia include AlphaBeta Money, BCU, G&C Mutual Bank, Pepper, and Sydney Mutual Bank.

Even though these lengthier loans 35 to 40 year loans do exist on the market, they are not overwhelmingly popular, as the extra interest you pay compared to a 30-year loan can be over $100,000 or more.

Are bad credit home loans dangerous?

Bad credit home loans can be dangerous if the borrower signs up for a loan they’ll struggle to repay. This might occur if the borrower takes out a mortgage at the limit of their financial capacity, especially if they have some combination of a low income, an insecure job and poor savings habits.

Bad credit home loans can also be dangerous if the borrower buys a home in a stagnant or falling market – because if the home has to be sold, they might be left with ‘negative equity’ (where the home is worth less than the mortgage).

That said, bad credit home loans can work out well if the borrower is able to repay the mortgage – for example, if they borrow conservatively, have a decent income, a secure job and good savings habits. Another good sign is if the borrower buys a property in a market that is likely to rise over the long term.

How can I get a home loan with bad credit?

If you want to get a home loan with bad credit, you need to convince a lender that your problems are behind you and that you will, indeed, be able to repay a mortgage.

One step you might want to take is to visit a mortgage broker who specialises in bad credit home loans (also known as ‘non-conforming home loans’ or ‘sub-prime home loans’). An experienced broker will know which lenders to approach, and how to plead your case with each of them.

Two points to bear in mind are:

  • Many home loan lenders don’t provide bad credit mortgages
  • Each lender has its own policies, and therefore favours different things

If you’d prefer to directly approach the lender yourself, you’re more likely to find success with smaller non-bank lenders that specialise in bad credit home loans (as opposed to bigger banks that prefer ‘vanilla’ mortgages). That’s because these smaller lenders are more likely to treat you as a unique individual rather than judge you according to a one-size-fits-all policy.

Lenders try to minimise their risk, so if you want to get a home loan with bad credit, you need to do everything you can to convince lenders that you’re safer than your credit history might suggest. If possible, provide paperwork that shows:

  • You have a secure job
  • You have a steady income
  • You’ve been reducing your debts
  • You’ve been increasing your savings

Can I change jobs while I am applying for a home loan?

Whether you’re a new borrower or you’re refinancing your home loan, many lenders require you to be in a permanent job with the same employer for at least 6 months before applying for a home loan. Different lenders have different requirements. 

If your work situation changes for any reason while you’re applying for a mortgage, this could reduce your chances of successfully completing the process. Contacting the lender as soon as you know your employment situation is changing may allow you to work something out. 

What is a variable home loan?

A variable rate home loan is one where the interest rate can and will change over the course of your loan. The rate is determined by your lender, not the Reserve Bank of Australia, so while the cash rate might go down, your bank may decide not to follow suit, although they do broadly follow market conditions. One of the upsides of variable rates is that they are typically more flexible than their fixed rate counterparts which means that a lot of these products will let you make extra repayments and offer features such as offset accounts.

What is a bad credit home loan?

A bad credit home loan is a mortgage for people with a low credit score. Lenders regard bad credit borrowers as riskier than ‘vanilla’ borrowers, so they tend to charge higher interest rates for bad credit home loans.

If you want a bad credit home loan, you’re more likely to get approved by a small non-bank lender than by a big four bank or another mainstream lender.

What is a building in course of erection loan?

Also known as a construction home loan, a building in course of erection (BICOE) loan loan allows you to draw down funds as a building project advances in order to pay the builders. This option is available on selected variable rate loans.

How do I refinance my home loan?

Refinancing your home loan can involve a bit of paperwork but if you are moving on to a lower rate, it can save you thousands of dollars in the long-run. The first step is finding another loan on the market that you think will save you money over time or offer features that your current loan does not have. Once you have selected a couple of loans you are interested in, compare them with your current loan to see if you will save money in the long term on interest rates and fees. Remember to factor in any break fees and set up fees when assessing the cost of switching.

Once you have decided on a new loan it is simply a matter of contacting your existing and future lender to get the new loan set up. Beware that some lenders will revert your loan back to a 25 or 30 year term when you refinance which may mean initial lower repayments but may cost you more in the long run.

What is a fixed home loan?

A fixed rate home loan is a loan where the interest rate is set for a certain amount of time, usually between one and 15 years. The advantage of a fixed rate is that you know exactly how much your repayments will be for the duration of the fixed term. There are some disadvantages to fixing that you need to be aware of. Some products won’t let you make extra repayments, or offer tools such as an offset account to help you reduce your interest, while others will charge a significant break fee if you decide to terminate the loan before the fixed period finishes.

What is a guarantor?

A guarantor is someone who provides a legally binding promise that they will pay off a mortgage if the principal borrower fails to do so.

Often, guarantors are parents in a solid financial position, while the principal borrower is a child in a weaker financial position who is struggling to enter the property market.

Lenders usually regard borrowers as less risky when they have a guarantor – and therefore may charge lower interest rates or even approve mortgages they would have otherwise rejected.

However, if the borrower falls behind on their repayments, the lender might chase the guarantor for payment. In some circumstances, the lender might even seize and sell the guarantor’s property to recoup their money.

How do I take out a low-deposit home loan?

If you want to take out a low-deposit home loan, it might be a good idea to consult a mortgage broker who can give you professional financial advice and organise the mortgage for you.

Another way to take out a low-deposit home loan is to do your own research with a comparison website like RateCity. Once you’ve identified your preferred mortgage, you can apply through RateCity or go direct to the lender.

What is breach of contract?

A failure to follow all or part of a contract or breaking the conditions of a contract without any legal excuse. A breach of contract can be material, minor, actual or anticipatory, depending on the severity of the breaches and their material impact.

What happens when you default on your mortgage?

A mortgage default occurs when you are 90 days or more behind on your mortgage repayments. Late repayments will often incur a late fee on top of the amount owed which will continue to gather interest along with the remaining principal amount.

If you do default on a mortgage repayment you should try and catch up in next month’s payment. If this isn’t possible, and missing payments is going to become a regular issue, you need to contact your lender as soon as possible to organise an alternative payment schedule and discuss further options.

You may also want to talk to a financial counsellor. 

How often is your data updated?

We work closely with lenders to get updates as quick as possible, with updates made the same day wherever possible.