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
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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 - 5 years

$264

3.80%

$395 annually
St.George Bank
More details

2.79%

Fixed - 1 year

$0

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

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.

Mortgage Calculator, Loan Purpose

This is what you will use the loan for – i.e. investment. 

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.

How can I get a home loan with no deposit?

Following the Global Financial Crisis, no-deposit loans, as they once used to be known, have largely been removed from the market. Now, if you wish to enter the market with no deposit, you will require a property of your own to secure a loan against or the assistance of a guarantor.

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.

How does a redraw facility work?

A redraw facility attached to your loan allows you to borrow back any additional repayments that you have already paid on your loan. This can be a beneficial feature because, by paying down the principal with additional repayments, you will be charged less interest. However you will still be able to access the extra money when needed.

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.

Interest Rate

Your current home loan interest rate. To accurately calculate how much you could save, an accurate interest figure is required. If you are not certain, check your bank statement or log into your mortgage account.

Mortgage Calculator, Deposit

The proportion you have already saved to go towards your home. 

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.

What is an ombudsman?

An complaints officer – previously referred to as an ombudsman -looks at formal complaints from customers about their credit providers, and helps to find a fair and independent solution to these problems.

These services are handled by the Australian Financial Complaints Authority, a non-profit government organisation that addresses and resolves financial disputes between customers and financial service providers.

Why is it important to get the most up-to-date information?

The mortgage market changes constantly. Every week, new products get launched and existing products get tweaked. Yet many ratings and awards systems rank products annually or biannually.

We update our product data as soon as possible when lenders make changes, so if a bank hikes its interest rates or changes its product, the system will quickly re-evaluate it.

Nobody wants to read a weather forecast that is six months old, and the same is true for home loan comparisons.

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 will Real Time Ratings help me find a new home loan?

The home loan market is complex. With almost 4,000 different loans on offer, it’s becoming increasingly difficult to work out which loans work for you.

That’s where Real Time RatingsTM can help. Our system automatically filters out loans that don’t fit your requirements and ranks the remaining loans based on your individual loan requirements and preferences.

Best of all, the ratings are calculated in real time so you know you’re getting the most current information.

Mortgage Calculator, Property Value

An estimate of how much your desired property is worth.