Compare St. George home loan rates
Buying a home or looking to refinance? The table below features home loans with some of the lowest interest rates on the market for owner occupiers.
About St. George Bank
St.George was established in 1937 in South Sydney, achieving full banking status in 1992. In 2008 it became a part of the Westpac Banking Corporation alongside BankSA and Bank of Melbourne. St. George has served more than 2.6 million customers and offers a variety of financial products and services such as home loans, credit cards, personal loans, savings accounts, superannuation, and more.
As of 2006, St. George surpassed $100 billion in assets under management.
What home loans does St. George offer?
St. George offers home loans for a wide range of borrowers, including loans for first home buyers, refinancers, investors etc. St. George has four main home loan products:
St. George mortgage features
St. George’s mortgages offer a variety of features and options which customers might find useful. These may include:
- Extra repayments: Ability to pay above your minimum repayment, helping you to pay off your home loan faster.
- Flexible repayments: You can choose your repayment frequency to be weekly, fortnightly, or monthly.
- Full interest offset: Some loans come with a 100% offset account, which can save you interest.
- Redraw facility: Ability to withdraw extra payments made on your home loan.
- Packages: The St.George Advantage Package loan lets you bundle products like credit cards and bank accounts into your home loan with potentially discounted interest rates (package fees apply)
- Split loan: Ability to split your loan between a fixed and variable interest rate, combining the flexibility of a variable rate and with the security of a fixed rate.
- Pause repayments: You may be able to reduce or stop repayments for an approved period of time at St. George’s discretion.
- Family Pledge: Option to use a family member as a guarantor for your loan to help you avoid Lenders Mortgage Insurance (LMI)
- Rate lock: For a fee, customers can lock in an interest rate when applying for a fixed-rate home loan to avoid rate rises before settlement.
See the terms and conditions for more information on these features.
How to apply for home loan with St. George Bank
To qualify for a St. George home loan, you need to meet their eligibility requirements:
- You must be 18 years or over
- You must be an Australian or New Zealand permanent resident
- You are either married or de-facto (to each other) if you’re making a joint application
If you are eligible, you can go to St. George’s website to get started with your home loan application. You can also call on 13 33 30 or go to a St. George branch.
When applying for a St. George home loan, you’ll likely need the following documents:
- Personal ID, which can be your driver’s license, Medicare card or passport.
- A statement of all your savings accounts covering the last three months
- Your last two consecutive payslips
- If you’re self-employed, you may need copies of your personal income tax returns and financial statements for the past two years
- If you own a rental property, you may need a copy of the current tenancy agreement and recent bank statements indicating rent payments
- A letter from Centrelink (if applicable) detailing your current entitlements, and with a printout of direct credits which verifies receipt of Centrelink payments.
- Detail of your ongoing expenses
- Your current signed lease rental agreement
- Assets and liability documents