St George Bank Home Loan Rates July 2025

Explore St George Bank home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
5.69% p.a.
6.25% p.a.
$2,899
Principal & Interest
Fixed
$395
$100
95%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.79% p.a.
5.80% p.a.
$2,931
Principal & Interest
Variable
$null
$100
95%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.79% p.a.
6.25% p.a.
$2,931
Principal & Interest
Fixed
$395
$100
95%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.79% p.a.
6.35% p.a.
$2,931
Principal & Interest
Fixed
$395
$100
95%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.89% p.a.
5.90% p.a.
$2,962
Principal & Interest
Variable
$null
$100
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Redraw
  • More details
5.89% p.a.
6.35% p.a.
$2,962
Principal & Interest
Fixed
$395
$100
95%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • Extra Repayments
  • More details
5.89% p.a.
6.27% p.a.
$2,962
Principal & Interest
Fixed
$395
$100
95%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 5% Min Deposit
  • Redraw
  • More details
5.89% p.a.
6.45% p.a.
$2,962
Principal & Interest
Fixed
$395
$100
90%
  • Investor
  • Fixed 1 Year
  • Principal & Interest
  • 10% Min Deposit
  • Redraw
  • More details
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Important Information and Comparison Rate Warning

St George home loans: The low down

St George began in 1937 as a building society. It gained its banking license in 1992 and 'demutualised' - meaning it now operates on a fully commercial basis. It's now been part of the Westpac Group since 2008, alongside Bank of Melbourne and BankSA (a subsidiary of St George operating in South Australia and the Northern Territory).

You might find St George a good fit for your home loan needs if you:

  • Want competitive rates with a distinct product range: While St George is part of the Westpac Group and rates tend to be adjusted in sync with those of Westpac itself, the products it offers are distinct from its parent brand. At the time of writing St George's basic variable home loan has a lower rate than the most similar product at Westpac, although that may change in future. In general, St George offers competitive rates compared to the rest of the Australian market.

  • Prefer in-person service and live in specific regions: St George operates a branch network throughout New South Wales, Queensland, and rural Victoria, as well as a single branch in Perth. St George operates under BankSA in South Australia and the NT and as Bank of Melbourne in Melbourne.

  • Don't mind potential fees: Depending on which product you choose, St George home loan products could include account keeping or establishment fees, as well as charges for late repayments or loan discharge. St George also offers an Advantage Package, $395 per year as of 2025. Benefits include discounted rates, waived fees and other savings.

  • Are looking for a flexible range of loan products: These are the major home loan products at St George for both owner occupiers and investors, as of June 2025:

    • Basic Variable: Low rate, unlimited extra repayments, no ongoing fees

    • Variable with offset: Includes a single optional offset account

    • Fixed home loan

  • Are eligible for the Home Guarantee Scheme: St George is one of the 33 lenders currently participating in the Home Guarantee Scheme. If you're eligible, you might be able to borrowing up to 95% of a property's value (98% for the Family Home Guarantee) without having to pay Lenders Mortgage Insurance (LMI).

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