RateCity.com.au
powering smart financial decisions
St.George Bank

Fixed Rate Home Loan (with Advantage Package)

Interest Rate

3.19

% p.a

Fixed - 3 years

Comparison Rate*

4.01

% p.a

Maximum LVR
80%
Real Time Rating™

1.84

/ 5
Monthly Repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

Interest Rate

3.19

% p.a

Fixed - 3 years

Comparison Rate*

4.01

% p.a

Maximum LVR
80%
Real Time Rating™

1.84

/ 5
Monthly Repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,452

based on $300,000 loan amount for 25 years at 3.19%

St.George Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.

Tedjo Hadiwidjojo

5.0
17 Reviews

Get expert advice from a home loans specialist.

An experienced mortgage broker with over 15 years in the finance industry, dedicating to finding the right loan product from a wide range of lenders to meet your lending requirement. I pride myself to provide Speed, Convenience and adding Value to my clients. Buying property whether it’s your home or investment comes with complex choices and can be daunting. There are a lot of variables to consider when choosing the right loans. With my experience as a mortgage broker and an investor myself, I will recommend you the best lender and guide you through the process to get you the best possible loan option and lending rates.

VIC3131

CRN: 517245

Quick home loan review

For Advantage Package Fixed Rate Investment Loan (Principal and Interest) 3 Years (LVR 60%-80%)

These are the benefits of this home loan.

  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan

Home loan overview

For Advantage Package Fixed Rate Investment Loan (Principal and Interest) 3 Years (LVR 60%-80%)

TMD

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Fixed - 3 years

Borrowing range

Suitable for

Investors

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $30000

Redraw facility

Redraw fee: $0

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

264

Application fee

0

Valuation fee

$164

Settlement fee

100

Other upfront fee

0

Ongoing fee

$395 annually

Discharge fee

350

Application method

Online

Phone

In branch

Specials
  • Cashback Refinance and get $3000 for new Owner Occupier (Principal & Interest) and Residential Investment loans. Apply by 28 February 2022 and settle by 30 May 2022. Terms and conditions apply.*
    Owner Occupier (P&I repayments) and Residential Investment loans, with LVR less than 90%. Available on our Advantage Package home loans, with a $395 annual package fee and Basic Home Loans (no annual fee). $250k min loan. Only one $3K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^

Target Market Determination

Visit St.George Bank to view Target Market Determination.

Embed

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $150k to $2,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

St.George Bank allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

St.George Bank allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $264 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Where can you apply for this loan?

St.George Bank makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this St.George Bank loan is available through a broker. Find a broker to help you with your needs.