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 am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated repayments

at interest rate 2.49 %

Total interest payable

$0

Total amount payable

$0

Pros and cons

  • 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
  • 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
Comparison Rate*
Ongoing fee
Go to site
Company

2.49%

Variable

$264

2.51%

$0
St.George Bank
More details

2.54%

Variable

$264

2.56%

$0
St.George Bank
More details

2.59%

Variable

$264

2.61%

$0
St.George Bank
More details

2.94%

Variable

$264

2.96%

$0
St.George Bank
More details

2.99%

Variable

$264

3.01%

$0
St.George Bank
More details

3.04%

Variable

$264

3.06%

$0
St.George Bank
More details

3.09%

Variable

$764

3.11%

$0
St.George Bank
More details

1.89%

Fixed - 4 years

$264

3.16%

$395 annually
St.George Bank
More details

3.14%

Variable

$764

3.16%

$0
St.George Bank
More details

3.14%

Variable

$764

3.16%

$0
St.George Bank
More details

2.19%

Fixed - 5 years

$264

3.19%

$395 annually
St.George Bank
More details

1.94%

Fixed - 4 years

$264

3.21%

$395 annually
St.George Bank
More details

3.19%

Variable

$764

3.21%

$0
St.George Bank
More details

2.24%

Fixed - 5 years

$264

3.24%

$395 annually
St.George Bank
More details

1.99%

Fixed - 4 years

$264

3.26%

$395 annually
St.George Bank
More details

1.99%

Fixed - 3 years

$264

3.28%

$395 annually
St.George Bank
More details

2.29%

Fixed - 5 years

$264

3.29%

$395 annually
St.George Bank
More details

2.04%

Fixed - 3 years

$264

3.33%

$395 annually
St.George Bank
More details

1.99%

Fixed - 2 years

$264

3.37%

$395 annually
St.George Bank
More details

2.09%

Fixed - 3 years

$264

3.37%

$395 annually
St.George Bank
More details

2.04%

Fixed - 2 years

$264

3.41%

$395 annually
St.George Bank
More details

1.99%

Fixed - 1 year

$264

3.46%

$395 annually
St.George Bank
More details

2.09%

Fixed - 2 years

$264

3.46%

$395 annually
St.George Bank
More details

2.04%

Fixed - 1 year

$264

3.51%

$395 annually
St.George Bank
More details

2.09%

Fixed - 1 year

$264

3.56%

$395 annually
St.George Bank
More details

3.14%

Variable

$0

3.57%

$395 annually
St.George Bank
More details

3.19%

Variable

$0

3.62%

$395 annually
St.George Bank
More details

3.24%

Variable

$0

3.67%

$395 annually
St.George Bank
More details

2.69%

Fixed - 5 years

$264

3.71%

$395 annually
St.George Bank
More details

2.74%

Fixed - 5 years

$264

3.76%

$395 annually
St.George Bank
More details

2.34%

Fixed - 5 years

$864

3.78%

$10 monthly
St.George Bank
More details

2.39%

Fixed - 3 years

$264

3.78%

$395 annually
St.George Bank
More details

2.69%

Fixed - 4 years

$264

3.78%

$395 annually
St.George Bank
More details

2.79%

Fixed - 1 year

$0

3.80%

$395 annually
St.George Bank
More details

2.79%

Fixed - 5 years

$264

3.80%

$395 annually
St.George Bank
More details

2.44%

Fixed - 3 years

$264

3.82%

$395 annually
St.George Bank
More details

2.04%

Fixed - 4 years

$864

3.83%

$10 monthly
St.George Bank
More details

2.39%

Fixed - 5 years

$864

3.83%

$10 monthly
St.George Bank
More details

2.74%

Fixed - 4 years

$264

3.83%

$395 annually
St.George Bank
More details

2.49%

Fixed - 3 years

$264

3.87%

$395 annually
St.George Bank
More details

2.79%

Fixed - 4 years

$264

3.87%

$395 annually
St.George Bank
More details

2.09%

Fixed - 4 years

$864

3.88%

$10 monthly
St.George Bank
More details

2.39%

Fixed - 2 years

$264

3.88%

$395 annually
St.George Bank
More details

2.44%

Fixed - 5 years

$864

3.88%

$10 monthly
St.George Bank
More details

2.14%

Fixed - 4 years

$864

3.93%

$10 monthly
St.George Bank
More details

2.44%

Fixed - 2 years

$264

3.93%

$395 annually
St.George Bank
More details

2.89%

Fixed - 5 years

$0

3.95%

$395 annually
St.George Bank
More details

2.49%

Fixed - 2 years

$264

3.97%

$395 annually
St.George Bank
More details

2.49%

Fixed - 1 year

$264

4.00%

$395 annually
St.George Bank
More details

2.94%

Fixed - 5 years

$0

4.00%

$395 annually
St.George Bank
More details

2.14%

Fixed - 3 years

$864

4.03%

$10 monthly
St.George Bank
More details

2.59%

Fixed - 3 years

$0

4.03%

$395 annually
St.George Bank
More details

2.89%

Fixed - 4 years

$0

4.03%

$395 annually
St.George Bank
More details

2.54%

Fixed - 1 year

$264

4.05%

$395 annually
St.George Bank
More details

2.99%

Fixed - 5 years

$0

4.05%

$395 annually
St.George Bank
More details

2.19%

Fixed - 3 years

$864

4.08%

$10 monthly
St.George Bank
More details

2.64%

Fixed - 3 years

$0

4.08%

$395 annually
St.George Bank
More details

2.94%

Fixed - 4 years

$0

4.08%

$395 annually
St.George Bank
More details

2.59%

Fixed - 1 year

$264

4.09%

$395 annually
St.George Bank
More details

3.59%

Fixed - 3 years

$0

4.10%

$395 annually
St.George Bank
More details

3.59%

Fixed - 2 years

$0

4.11%

$395 annually
St.George Bank
More details

2.99%

Fixed - 4 years

$0

4.12%

$395 annually
St.George Bank
More details

3.59%

Fixed - 1 year

$0

4.12%

$395 annually
St.George Bank
More details

3.70%

Variable

$0

4.12%

$395 annually
St.George Bank
More details

2.24%

Fixed - 3 years

$864

4.13%

$10 monthly
St.George Bank
More details

2.69%

Fixed - 3 years

$0

4.13%

$395 annually
St.George Bank
More details

2.59%

Fixed - 2 years

$0

4.14%

$395 annually
St.George Bank
More details

3.73%

Variable

$0

4.14%

$395 annually
St.George Bank
More details

3.64%

Fixed - 3 years

$0

4.15%

$395 annually
St.George Bank
More details

3.64%

Fixed - 2 years

$0

4.16%

$395 annually
St.George Bank
More details

3.75%

Variable

$0

4.16%

$395 annually
St.George Bank
More details

3.64%

Fixed - 1 year

$0

4.17%

$395 annually
St.George Bank
More details

2.65%

Fixed - 2 years

$0

4.19%

$395 annually
St.George Bank
More details

3.78%

Variable

$0

4.19%

$395 annually
St.George Bank
More details

2.14%

Fixed - 2 years

$864

4.21%

$10 monthly
St.George Bank
More details

3.80%

Variable

$0

4.21%

$395 annually
St.George Bank
More details

2.69%

Fixed - 2 years

$0

4.24%

$395 annually
St.George Bank
More details

3.83%

Variable

$0

4.24%

$395 annually
St.George Bank
More details

4.04%

Fixed - 4 years

$0

4.24%

$395 annually
St.George Bank
More details

2.19%

Fixed - 2 years

$864

4.26%

$10 monthly
St.George Bank
More details

4.04%

Fixed - 5 years

$0

4.26%

$395 annually
St.George Bank
More details

2.69%

Fixed - 1 year

$0

4.27%

$395 annually
St.George Bank
More details

4.09%

Fixed - 4 years

$0

4.29%

$395 annually
St.George Bank
More details

2.84%

Fixed - 5 years

$864

4.30%

$10 monthly
St.George Bank
More details

2.24%

Fixed - 2 years

$864

4.31%

$10 monthly
St.George Bank
More details

4.09%

Fixed - 5 years

$0

4.31%

$395 annually
St.George Bank
More details

2.74%

Fixed - 1 year

$0

4.32%

$395 annually
St.George Bank
More details

2.89%

Fixed - 5 years

$864

4.35%

$10 monthly
St.George Bank
More details

2.94%

Fixed - 5 years

$864

4.40%

$10 monthly
St.George Bank
More details

3.99%

Variable

$0

4.40%

$395 annually
St.George Bank
More details

2.14%

Fixed - 1 year

$864

4.41%

$10 monthly
St.George Bank
More details

2.99%

Fixed - 5 years

$864

4.44%

$395 annually
St.George Bank
More details

2.84%

Fixed - 4 years

$864

4.45%

$10 monthly
St.George Bank
More details

4.04%

Variable

$0

4.45%

$395 annually
St.George Bank
More details

2.19%

Fixed - 1 year

$864

4.46%

$10 monthly
St.George Bank
More details

2.89%

Fixed - 4 years

$864

4.50%

$10 monthly
St.George Bank
More details

4.09%

Variable

$0

4.50%

$395 annually
St.George Bank
More details

2.24%

Fixed - 1 year

$864

4.51%

$10 monthly
St.George Bank
More details

2.54%

Fixed - 3 years

$864

4.53%

$10 monthly
St.George Bank
More details

3.04%

Fixed - 5 years

$864

4.54%

$10 monthly
St.George Bank
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

Mortgage Calculator, Repayment Type

Will you pay off the amount you borrowed + interest or just the interest for a period?

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.

How common are low-deposit home loans?

Low-deposit home loans aren’t as common as they once were, because they’re regarded as relatively risky and the banking regulator (APRA) is trying to reduce risk from the mortgage market.

However, if you do your research, you’ll find there is still a fairly wide selection of banks, credit unions and non-bank lenders that offers low-deposit home loans.

Mortgage Calculator, Property Value

An estimate of how much your desired property is worth. 

Mortgage Calculator, Loan Results

These are the loans that may be suitable, based on your pre-selected criteria. 

What is the ratings scale?

The ratings are between 0 and 5, shown to one decimal point, with 5.0 as the best. The ratings should be used as an easy guide rather than the only thing you consider. For example, a product with a rating of 4.7 may or may not be better suited to your needs than one with a rating of 4.5, but both are probably much better than one with a rating of 1.2.

How much information is required to get a rating?

You don’t need to input any information to see the default ratings. But the more you tell us, the more relevant the ratings will become to you. We take your personal privacy seriously. If you are concerned about inputting your information, please read our privacy policy.

Remaining loan term

The length of time it will take to pay off your current home loan, based on the currently-entered mortgage balance, monthly repayment and interest rate.

How much deposit do I need for a home loan from NAB?

The right deposit size to get a home loan with an Australian lender will depend on the lender’s eligibility criteria and the value of your property.

Generally, lenders look favourably on applicants who save up a 20 per cent deposit for their property This also means applicants do not have to pay Lenders Mortgage Insurance (LMI). However, you may still be able to obtain a mortgage with a 10 - 15 per cent deposit.  

Keep in mind that NAB is one of the participating lenders for the First Home Loan Deposit Scheme, which allows eligible borrowers to buy a property with as low as a 5 per cent deposit without paying the LMI. The Federal Government guarantees up to 15 per cent of the deposit to help first-timers to become homeowners.

What is a specialist lender?

Specialist lenders, also known as non-conforming lenders, are lenders that offer mortgages to ‘non-vanilla’ borrowers who struggle to get finance at mainstream banks.

That includes people with bad credit, as well as borrowers who are self-employed, in casual employment or are new to Australia.

Specialist lenders take a much more flexible approach to assessing mortgage applications than mainstream banks.

What is the amortisation period?

Popularly known as the loan term, the amortisation period is the time over which the borrower must pay back both the loan’s principal and interest. It is usually determined during the application approval process.

What is appreciation or depreciation of property?

The increase or decrease in the value of a property due to factors including inflation, demand and political stability.

What factors does Real Time Ratings consider?

Real Time RatingsTM uses a range of information to provide personalised results:

  • Your loan amount
  • You