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St.George Bank

Fixed Rate Home Loan (with Advantage Package)

Awards

Winner of Best 5 Year Fixed Pi, RateCity Gold Awards 2021

Interest Rate

3.39

% p.a

Fixed - 5 years

Comparison Rate*

3.66

% p.a

Maximum LVR
60%
Real Time Rating™

1.74

/ 5
Monthly Repayment

$1,484

based on $300,000 loan amount for 25 years at 3.39%

Interest Rate

3.39

% p.a

Fixed - 5 years

Comparison Rate*

3.66

% p.a

Maximum LVR
60%
Real Time Rating™

1.74

/ 5
Monthly Repayment

$1,484

based on $300,000 loan amount for 25 years at 3.39%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,484

based on $300,000 loan amount for 25 years at 3.39%

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

Vini Paulatti

5.0
4 Reviews

Get expert advice from a home loans specialist.

Specialized in investment property (residential, commercial, trust and SMSF). Have helped many clients to overcome the borrowing capacity limitation they all face when start building an investment property portfolio. Helped many clients to refinance and reduce their home loan repayments, allowing then to increase their savings to contribute towards the next investment property purchase. Our mission is to simplify the loan process to our clients and at the same time add value to our clients to keep then with us in a long term.

VIC3750

CRN: 527259

Bernard Desmond

5.0
163 Reviews

Get expert advice from a home loans specialist.

Bernard Desmond OPPORTUNITY BROKER They say there are two guarantees in life, but Bernard securing your mortgage is now unofficially the third. His confidence comes from 14 years of experience and an unequivocal desire to provide you with the most opportunity from your mortgage. But don’t just take our word for it; Bernard’s strike rate from application to approval is awarded as the best in the industry: Winner 2020 Best Customer Service of the year at the Australian Broking Awards, 2020 Best Customer Service of the year at the Better Business Awards, 2019 Residential Broker of the Year and 2018 Australian broker of the Year. Supportive yet honest, Bernard has your best interest at heart and a blank piece of paper in hand, ready to fill it with plans and possibilities. Bernard sees opportunity getting to understand you and your financial goals better than the rest. He’s personable and tenacious, giving you the ability to take your money further — like that ocean villa in Hawaii.

VIC3930

CRN: 493595

Quick home loan review

For Advantage Package Fixed Rate Home Loan (Principal and Interest) 5 Years (LVR < 60%)

These are the benefits of this home loan.

  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option
  • Features on 2021 RateCity Awards

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No offset account
  • Higher than average interest rate
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • Maximum loan amount is limited to 60% of the property's value

Home loan overview

For Advantage Package Fixed Rate Home Loan (Principal and Interest) 5 Years (LVR < 60%)

TMD

Details

Maximum LVR

60%

Total Repayments

Interest rate type

Fixed - 5 years

Borrowing range

Suitable for

Owner Occupiers

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 during fixed period

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

100

Application fee

0

Valuation fee

At Cost

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 on LVR up to 80%. 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.

Other Restrictions

Extra repayment limited to $30,000 during the fixed term. $50 redraw fee in branch.

Embed

St.George Bank is available through brokers

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 60 percent, which means it requires a minimum deposit of 40 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 $100 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.