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St.George Bank · Variable · Updated September 2026

St.George Bank Variable Home Loans, September 2026

St.George Bank lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.29% p.a., on Basic Home Loan <70% LVR Promotional Rate Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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St.George Bank variable home loan rates, September 2026

St.George Bank logo
St.George BankBasic Home Loan <70% LVR Promotional Rate Owner Occupied P&I
VariableRedraw
Interest
6.29%p.a.
Comparison*
Not available
Est. repayment
$3,092
LVR ≤70%
St.George Bank logo
St.George BankBasic Home Loan 70% - 80% LVR Promotional Rate Owner Occupied P&I
VariableRedraw
Interest
6.39%p.a.
Comparison*
Not available
Est. repayment
$3,124
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Home Loan <70% LVR Promotional Rate Investment P&I
VariableRedraw
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤70%
St.George Bank logo
St.George BankBasic Home Loan 70% - 80% LVR Promotional Rate Investment P&I
VariableRedraw
Interest
6.64%p.a.
Comparison*
Not available
Est. repayment
$3,207
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Home Loan >80% LVR Promotional Rate Owner Occupied P&I
VariableRedraw
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR 80 to 95%
St.George Bank logo
St.George BankBasic Variable Home Loan
VariableRedraw
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
St.George Bank logo
St.George BankVariable Home Loan with Offset
VariableOffsetRedraw
Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Variable Home Loan
VariableRedraw
Interest
6.69%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,223
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Variable Home Loan
VariableRedraw
Interest
6.39%p.a.
Comparison*
6.84%p.a.
Est. repayment
$3,124
LVR 70 to 80%
St.George Bank logo
St.George BankAdvantage Package <70% LVR Investment IO
VariableOffsetRedraw
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤70%
St.George Bank logo
St.George BankAdvantage Package <70% LVR Investment IO
VariableOffsetRedraw
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤70%
St.George Bank logo
St.George BankBasic Home Loan <70% LVR Promotional Rate Investment IO
VariableRedraw
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤70%
St.George Bank logo
St.George BankBasic Home Loan >80% LVR Promotional Rate Investment P&I
VariableRedraw
Interest
6.94%p.a.
Comparison*
Not available
Est. repayment
$3,306
LVR 80 to 95%
St.George Bank logo
St.George BankAdvantage Package <70% LVR Owner Occupied IO
VariableOffsetRedraw
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤70%
St.George Bank logo
St.George BankAdvantage Package 70% - 80% LVR Investment IO
VariableOffsetRedraw
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 70 to 80%
St.George Bank logo
St.George BankAdvantage Package <70% LVR Owner Occupied IO
VariableOffsetRedraw
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤70%
St.George Bank logo
St.George BankAdvantage Package 70% - 80% LVR Investment IO
VariableOffsetRedraw
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Home Loan 70% - 80% LVR Promotional Rate Investment IO
VariableRedraw
Interest
6.99%p.a.
Comparison*
Not available
Est. repayment
$3,323
LVR 70 to 80%
St.George Bank logo
St.George BankBasic Variable Home Loan
VariableRedraw
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR 70 to 80%
St.George Bank logo
St.George BankVariable Home Loan with Offset
VariableOffsetRedraw
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR 70 to 80%
St.George Bank logo
St.George BankAdvantage Package 70% - 80% LVR Owner Occupied IO
VariableOffsetRedraw
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 80%
St.George Bank logo
St.George BankAdvantage Package 70% - 80% LVR Owner Occupied IO
VariableOffsetRedraw
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 80%
St.George Bank logo
St.George BankVariable Home Loan with Offset
VariableOffsetRedraw
Interest
6.39%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,124
LVR 70 to 80%
St.George Bank logo
St.George BankVariable Home Loan with Offset
VariableOffsetRedraw
Interest
6.69%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,223
LVR 70 to 80%
*Important Information and Comparison Rate Warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.

The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.

St.George Bank · Variable

St.George Bank variable home loans, what to weigh

Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every variable option has the same price.

See also St.George Bank's full product range, repayment calculator, and refinance savings calculator.

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