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St.George Bank

Fixed Rate Home Loan (with Advantage Package)

Awards

Winner of Best 3 Year Fixed Pi, RateCity Gold Awards 2021

Interest Rate

2.89

% p.a

Fixed - 3 years

Comparison Rate*

3.50

% p.a

Maximum LVR
60%
Real Time Rating™

2.49

/ 5
Monthly Repayment

$1,406

based on $300,000 loan amount for 25 years at 2.89%

Interest Rate

2.89

% p.a

Fixed - 3 years

Comparison Rate*

3.50

% p.a

Maximum LVR
60%
Real Time Rating™

2.49

/ 5
Monthly Repayment

$1,406

based on $300,000 loan amount for 25 years at 2.89%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,406

based on $300,000 loan amount for 25 years at 2.89%

Quick home loan review

For Advantage Package Fixed Rate Home Loan (Principal and Interest) 3 Years (LVR < 60%)

These are the benefits of this home loan.

  • Lower than average interest rate
  • 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
  • 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) 3 Years (LVR < 60%)

TMD

Details

Maximum LVR

60%

Total Repayments

Interest rate type

Fixed - 3 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.

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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.