St George Bank home loan interest rates are in the Ratesniffers live rate table, ranked by comparison rate. A St George mortgage is one of the Basic, Standard Variable Rate or Fixed Rate products below. compare all lenders on the wider market table.
St George Bank home loan interest rates, selected verified 80% LVR owner-occupier principal and interest product examples dated 20 October 2026. Rates shown per annum; the comparison rate counts most fees on the $150,000 / 25-year example.
Rates shown are selected product examples, not every product or a personalised offer. 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.
St.George Bank lifted its variable home-loan rates by 0.25 percentage points from 9 October 2026, Ratesniffers records. Every lender's date is in the RBA rate pass-through tracker.
Tracked products
347
Variable product example
—
Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
7.04%
A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed example comparison
7.19%
A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
St.George Bank is the NSW-anchored retail brand of Westpac Group. Its Advantage Package home loans bundle offset, redraw, and credit-card fee waivers on a Westpac-funded loan engine. St.George tends to price competitively on Premier-LVR owner-occupier refinances.
What are St.George Bank home loan rates?
Ratesniffers compares St.George Bank home loan products by comparison rate. A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare St.George Bank against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest St.George Bank home loan rate?
A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does St.George Bank offer?
Ratesniffers currently tracks 347 St.George Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 37 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
The figures on this page cover St George Bank home loans. To compare home loan rates Australia, open the wider market table ranked by comparison rate.
St.George Bank home loan rates at a glance
Product type
Rate
Comparison rate
Max LVR
Variable Investor interest-only
7.21% p.a.
n/a
90%
Fixed 5-year Owner-occupier P&I
7.14% p.a.
7.22% p.a.
70%
Variable Owner-occupier interest-only
7.23% p.a.
n/a
80%
Variable Owner-occupier interest-only
7.23% p.a.
n/a
70%
Variable Investor interest-only
7.23% p.a.
n/a
80%
Variable Investor interest-only
7.24% p.a.
n/a
80%
Fixed 1-year Owner-occupier interest-only
7.24% p.a.
n/a
70%
Fixed 1-year Investor interest-only
7.24% p.a.
n/a
80%
Fixed 2-year Owner-occupier interest-only
7.24% p.a.
n/a
70%
Fixed 2-year Investor interest-only
7.24% p.a.
n/a
80%
Variable Investor P&I
6.89% p.a.
7.25% p.a.
95%
Fixed 3-year Investor P&I
7.09% p.a.
7.27% p.a.
70%
37 of 347 tracked St.George Bank home loan products
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
St.George BankAdvantage Package 1 Year Fixed >80% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
St.George BankAdvantage Package 2 Year Fixed >80% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
St.George BankAdvantage Package 4 Year Fixed <70% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
St.George BankAdvantage Package 5 Year Fixed <70% LVR Investment IO
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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.
Who is St.George Bank?
St.George is one of Australia's best-known bank brands, a former building society that became a bank in 1992 and joined the Westpac Group in 2008 in what was then Australia's largest banking merger. Its dragon logo and NSW heartland have made it the group's biggest sub-brand.
St.George prices its own home-loan range separately from parent Westpac, alongside sister brands Bank of Melbourne and BankSA which share much of the same product set under their own local badges.
Who suits a St.George Bank home loan?
St.George tends to suit borrowers, particularly in New South Wales, who want big-bank product breadth with a challenger-brand feel and pricing. Because the same group products appear under Westpac, Bank of Melbourne and BankSA, compare across the group and against the sharpest rates in the table above before settling on a brand.
Background facts checked 5 September 2026. Rates above refresh independently.
St.George Bank home loan products explained
The line-up as published by St.George Bank, checked 5 September 2026. Today's rate for each product is in the table above.
Product
Who it is for
What to know
Basic Home Loan
Owner-occupiers and investors who want a no-frills variable loan.
No offset account, unlimited extra repayments, fee-free redraw, $0 establishment fee, $0 monthly account keeping fee.
Standard Variable Rate Home Loan
Borrowers who want an offset account.
Optional offset account, up to 10 offset accounts on a packaged variable loan, unlimited extra repayments, no break costs, packageable under the Advantage Package.
Fixed Rate Home Loan
Owner-occupiers and investors who want certainty.
Locks the rate for a set term on all or part of the loan, reverts to variable at the end of the term, packageable.
Advantage Package
Borrowers with at least $150,000 in lending.
$395 annual fee, waives the $600 establishment fee and $8 monthly fee, $0 annual fee on eligible credit cards. Applies to Standard Variable Rate and Fixed Rate loans, not to the Basic Home Loan, which can be split with a packaged fixed rate.
St.George Bank fees, offset and limits at a glance
Application or establishment fee
$600 upfront including one valuation,
Discharge fee
$350
Settlement fee
$100
Additional valuation fee
$0
Rate lock fee
Higher of 0.15% of loan amount or $500. Rate lock period valid 90 days.…
Loan portability
$350 assessment fee plus $350 to discharge the mortgage plus valuation fee (if applicable)
Offset account
100% mortgage offset account available
Minimum offset balance
>$0
Lenders mortgage insurer
Westpac Lenders Mortgage Insurance (WLMI) for all new and existing applications with LVR less than or equal…
Capitalising LMI
Yes, up to max 95% LVR for Owner Occupied purchases. Max LVR capped at 90% for Investment.…
Maximum total lending
Subject to serviceability
Extra repayments on fixed
Max $10k pa otherwise break costs apply
When the fixed rate is locked
On settlement unless rate lock fee is paid
Checked 8 Oct 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
St.George Bank home loan fees and policy
The Advantage Package costs $395 a year on at least $150,000 of lending, waiving the $600 lending establishment fee and $8 monthly loan account fee, plus a $0 annual card fee on eligible credit cards.
The Basic Home Loan has a $0 establishment fee and $0 monthly fee, unlimited extra repayments and fee-free redraw, with daily redraw limits of $100,000 online or by phone and $30,000 in branch.
St.George is a participating lender in the Australian Government 5% Deposit Scheme: eligible first home buyers from a 5% deposit and eligible single parents or legal guardians from 2%, no LMI, owner-occupier principal and interest loans only, below the scheme's price caps.
Rent paid for at least six months can count as genuine savings on owner-occupier loans; proof of genuine savings is only required where the LVR exceeds 90%.
St.George is a division of Westpac Banking Corporation, and its residential lending is not available to non-resident borrowers.
St.George Bank home loans: frequently asked questions
What are St George Bank home loan interest rates?
St George Bank home loan interest rates are in the Ratesniffers live rate table, ranked by comparison rate. Compare all lenders at /home-loans.
What is a St George mortgage?
A St George mortgage is one of the Basic, Standard Variable Rate or Fixed Rate products in the Ratesniffers live rate table, ranked by comparison rate. Compare all lenders at /home-loans.
What are St George Bank interest rates?
St George Bank home loan interest rates are in the Ratesniffers live rate table, ranked by comparison rate. Compare all lenders at /home-loans.
What are St.George Bank home loan rates?
Ratesniffers compares St.George Bank home loan products by comparison rate. A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare St.George Bank at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest St.George Bank home loan rate?
A verified St.George Bank product example is Advantage Package 3 Year Fixed 70% - 80% LVR Owner Occupied P&I: 7.04% p.a. (7.19% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How much do you need to earn for a $500,000 St.George Bank home loan?
There is no single salary requirement for a St.George Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish St.George Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does St.George Bank's home loan rate compare to the market?
Compare St.George Bank's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
How many home loan products does St.George Bank offer?
Ratesniffers currently tracks 347 St.George Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 37 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is St.George Bank competitive for refinancing?
Compare St.George Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are St.George Bank's home loan rates updated?
Ratesniffers refreshes St.George Bank's home loan rates daily; this page was last updated 1 November 2026. Rates can change whenever St.George Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Does St.George Bank offer an offset account, and what does it cost?
Yes. St.George's Standard Variable Rate home loan can be linked to a full 100% offset account, a Complete Freedom transaction account with zero account keeping fees. Up to 10 offset accounts can be linked to one loan. The Basic home loan has no offset and offers redraw instead. Packaging the loan under the Advantage Package carries a $395 annual fee.
What upfront and exit fees does St.George Bank charge on a home loan?
St.George's fee schedule lists a $600 lending establishment fee on Standard Variable and Fixed Rate loans ($0 on the Basic home loan), a $100 document processing fee at settlement, an $8 monthly loan account fee ($0 on Basic) and a $350 loan discharge fee when a loan is paid out. The Advantage Package waives the establishment and monthly fees.
How much deposit does St.George Bank need, and when is LMI payable?
St.George says you can buy with less than a 20% deposit, but Lenders Mortgage Insurance applies and you may need to show genuine savings, usually at least 5% of the purchase price held for three months. Rent can count as genuine savings. A Family Pledge, where a family member offers part of their own property as security, may let you avoid LMI with a smaller deposit.
Does St.George Bank lend to self-employed borrowers, and what income evidence does it accept?
Yes. Self-employed borrowers applying in their own name get the same loans and rates as salaried applicants, and St.George does not offer low doc loans. Fast Track assessment needs the last two years of ATO Notices of Assessment plus a 20% deposit; otherwise tax returns and business financials are assessed. The business must have traded for two full financial years.
Does St.George Bank offer construction loans?
Yes. St.George offers a building option on its Standard Variable Rate home loan for house and land packages, new builds and renovations. Funds are drawn in stages as construction milestones are completed, interest is charged only on the amount drawn, repayments are interest only until the build is finished, and there is no fee to add the option.
Does St.George Bank offer bridging loans?
Yes. St.George calls it a Relocation Loan: a short term loan of up to 12 months that lets you buy your next home before selling your current one. It is interest only with a $10,000 minimum, no required repayments during the bridging period because interest is capitalised, and it is available to owner occupiers only, not for investment purchases.
What are St.George's home loan rates in November 2026?
St.George's current home loan rates are in the live table above, ranked by comparison rate and refreshed from St.George's published pricing rather than frozen into this answer. The Basic Home Loan, Standard Variable Rate and Fixed Rate loans price differently by LVR band and purpose, so compare the comparison rate, which includes the Advantage Package fee where it applies.
St.George home loan review: what are the pros and cons?
Pros: a Basic Home Loan with $0 establishment and monthly fees, up to 10 offset accounts on a packaged variable loan, 5% Deposit Scheme participation and rent counted as genuine savings. Cons: the $395 Advantage Package fee is needed for packaged pricing, and the same products appear under Westpac, Bank of Melbourne and BankSA, sometimes at different prices. Compare across the group in the table above.
Does St.George charge an annual fee on its home loans?
Only under the Advantage Package, which costs $395 a year on at least $150,000 of lending and in return waives the $600 establishment fee and $8 monthly fee and gives a $0 annual fee on eligible credit cards. The Basic Home Loan sits outside the package with no establishment fee and no monthly fee, so its comparison rate carries fewer costs.
Can I get a St.George home loan with a 5% deposit?
Yes. St.George is a participating lender in the Australian Government 5% Deposit Scheme, so eligible first home buyers can apply from a 5% deposit and eligible single parents or legal guardians from 2%, with no LMI, on an owner-occupier principal and interest loan below the scheme's price caps. Rent paid for six months or more can count as genuine savings on owner-occupier loans.
Is St.George part of Westpac?
Yes. St.George is a division of Westpac Banking Corporation, and sister brands Bank of Melbourne and BankSA share much of its product set under their own badges. Each brand sets its own pricing though, so a St.George rate can differ from the Westpac rate on an otherwise similar loan. Compare all four brands in the table above before choosing one.
