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St.George Bank

Basic Home Loan

Awards

Winner of Best Large Bank Home Loan, Best Variable, RateCity Gold Awards 2021

Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.36

% p.a

Maximum LVR
95%
Real Time Rating™

3.49

/ 5
Monthly Repayment

$1,322

based on $300,000 loan amount for 25 years at 2.34%

Advertised Rate

2.34

% p.a

Variable

Comparison Rate*

2.36

% p.a

Maximum LVR
95%
Real Time Rating™

3.49

/ 5
Monthly Repayment

$1,322

based on $300,000 loan amount for 25 years at 2.34%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,322

based on $300,000 loan amount for 25 years at 2.34%

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

Matthew Hayes

5.0
17 Reviews

Get expert advice from a home loans specialist.

Matthew grew up in Canberra, graduating from Erindale College. As part of the Talented Sports Program for Rugby Union, Matthew developed skills in planning, preparation and execution, skills which he utilises as a mortgage broker to help his clients reach and attain their goals. Matthew is friendly and professional, always ensuring his time with you is stress free and pleasant. He does the hard work for you, helping you find the loan which suits you best. Matthew is dedicated to providing his clients with the best possible service, accommodating you at any time, any location, any day of the week.

ACT2603

CRN: 481447

MD ALI Kawser

4.9
7 Reviews

Get expert advice from a home loans specialist.

I am Ali Kawser, a mortgage broker for 6 years and in the finance industry for 10 years. An investor myself, I have bought my first property in 2016 and owned investment property in 2018. I work from my home office, love to have a balance between work and family. I have helped many of my clients to achieve their dream to purchase their first property, also to purchase investment properties for a better retirement. Most of my meetings and appointments with clients are after hours, means you don't have to hurry to meet the schedule. Through a mortgage broker like myself, you'll have a choice of over 40 lenders including the big four for your convenience. Give us a call, you'll have a better experience!

VIC3338

CRN: 490619

Daniel Tetlaw

Get expert advice from a home loans specialist.

I enjoy working with clients to understand their goals and deliver great outcomes for their unique situations. This requires flexibility, dotting every ‘i’, crossing every ‘t’, and striving to over deliver on my clients’ needs and expectations.

WA6027

CRN: 528660

Quick home loan review

For Basic Home Loan (Principal and Interest) (New Customer) (LVR 80%-95%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • Suitable for low deposits
  • 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.

  • No offset account
  • Higher than average upfront fee
  • Discharge fee at end of loan

Home loan overview

For Basic Home Loan (Principal and Interest) (New Customer) (LVR 80%-95%)

TMD

Details

Maximum LVR

95%

Total Repayments

Next LVR

Interest rate type

Variable

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

Unlimited extra repayments

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

$0

Discharge fee

350

Application method

Online

Phone

In branch

Specials
  • Other Establishment fee waived on Basic Home Loans of $150k+
    $0 if loan amount is greater than $150,000- for customers making Principal & Interest repayments only
  • Cashback $3000 refinance cashback
    *Apply by 30th November 2021, and settle by 28th February 2021. 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 Benefits

Redraw fee is $0 for online and phone banking.

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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 $99,999,999.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 95 percent, which means it requires a minimum deposit of 5 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.