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If you're buying a home to live in you need an owner-occupier loan. Property investors need an investment loan rate. Here are the key features and details you need to know about St.George's mortgage products. St.George has home loans for owner-occupiers and investors, with rates starting from 4.84%. Really happy to get a mortgage from St George when NAB rejected us, and at a better rate too.
You can instantly check your current rate, repayments and balance by logging into our App or Internet Banking and selecting your home loan account. We’ll send a letter with details of the new minimum monthly repayment amount and when this starts, giving you time to adjust your payments. If you’ve set up a direct debit for your home loan repayments, this will automatically be updated to meet your new minimum monthly repayment amount. View our latest interest rates for a range of St.George Home Loans to suit your needs.
Package and save
Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each product by clicking "more info". A Salt Lake City native, Shilo has nearly a decade of experience in the mortgage industry and currently holds his professional license with Vintage Lending.
BankSA. BankSA operates in South Australia, with very similar loan offers to St.George. When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property. We assist thousands of Australians each month choose a banking, energy or insurance provider. Letter from a Real Estate Agent indicating anticipated rental income if you’re purchasing a rental property. If you have a property already tenanted, St.George Bank will require copies of the existing Residential Tenancy Agreement and recent bank statements showing payments.
Manage your home loan
You can choose to make monthly repayments on your principal and interest amount or only on interest, and you can make these payments weekly, fortnightly or monthly. The Fixed Home Loan from St. George is available with home loans starting from $150,000. There is also a partial offset account to help reduce your interest payments over the term of the loan. In return for an annual fee, you’ll be able to enjoy exclusive package offers such as various interest rate discounts and waived fees on your home loan, credit card and transaction account. St George has a variety of mortgage products for those purchasing a home or an investment in property.
Work out how much you could pay in stamp duty and other fees. Please read our website terms of use and privacy policy for more information about our services and our approach to privacy. Get a cash lump sum of $3,000+ for refinancing to a low-rate loan. Most Australian borrowers bank with one of the Big Four . You might have some concerns about getting a loan from a smaller lender.
St George Home Loans
A St.George Basic Home Loan offers the ability to withdraw extra funds that you may have deposited on your home loan. This means that you can use any extra money you may have to reduce your home loan debt and still be able to access these funds if there is ever a situation where you require them. You can borrow up to 95% of the value of your chosen home with lenders mortgage insurance or up to 80% of the property's value without LMI. Generally speaking when the stock market prices are going up with perceived value increasing, interest rates then also go up.
But if your lender starts lowering rates you won't benefit either. Refinancing a fixed rate loan means breaking the loan, because you've agreed to a specific rate. This means you may have to pay a fixed rate break fee. Eligible refinancers switching to St.George can get a $4,000 cashback.
More home loan questions
St.George Bank offers its customers a wide range of home loan products, in addition to savings and transaction accounts, personal and car loans, credit cards and business banking. Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle.
Repayments aren’t affected by variable interest rate changes during your fixed rate term. We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market. St.George has competitive home loan rates, especially its fixed rate package loans. Many of the St.George home loans have a split loan facility which means you won’t have to choose one or the other. Simply split your loan between a fixed and variable rate and take advantage of the benefits of both.
While Mozo attempts to make a wide range of products and providers available via its site it may not cover all the options available to you. Mozo is paid by product issuers and distributors for clicks on, or applications for, products with Go To Site links. If you decide to apply for a product you will be dealing directly with that provider and not with Mozo. Mozo recommends that you read the relevant PDS or offer documentation before taking up any financial product offer.
Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Before making a decision, it’s best to read the terms and conditions. Mozo provides factual information in relation to financial products.
Its product range includes discounted package home loans , its standard variable loan, no frills basic home loans, home equity type loans and fixed rate home loans ranging from 1 to 5 years. In addition it also offers a low doc home loan for business owners and self employed as well as relocation home loans, building home loans and reverse mortgages. There is a monthly service fee to consider though, as well as a number of one-off fees.
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