Fixed Rate Home Loans

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Why choose our Fixed Rate Home Loan?

Flexible repayments

Choose to make your repayments weekly, fortnightly or monthly⁵.

Lock in a fixed rate

Lock in your fixed rate when you apply, so if rates rise before you settle, you won’t be affected (fees apply)¹.

Interest in advance

Choose to pay interest in advance on investment loans and get 0.2% p.a. off the fixed interest rate for the interest in advance period².

Package and save

Package your home loan, credit card and transaction account for a home loan interest rate discount and fee waivers⁴, for a $395 annual package fee. Unavailable on Basic Home Loans.

Family Pledge

Use the equity in a family member’s home to help you on your home buying journey and maximise the amount you can borrow. Learn more

At the end of your fixed rate period

Choose to re-fix your interest rate for another fixed rate period or let it revert automatically to our standard variable interest rate³.

Fixed Rate Home Loan

For new Owner Occupier (Principal & Interest) packaged⁴ home loans, $395 annual package fee applies. LVR⁺ up to 70%. If you’re an existing Bank of Melbourne Home Loan customer, find out how to manage your home loan.

5.39% p.a. 1 year fixed rate	5.98% p.a. Comparison rate^*
5.59% p.a. 2 year fixed rate	6.00% p.a. Comparison rate^*
5.79% p.a. 3 year fixed rate	6.05% p.a. Comparison rate^*
6.39% p.a. 4 year fixed rate	6.28% p.a. Comparison rate^*
6.49% p.a. 5 year fixed rate	6.37% p.a. Comparison rate^*
Fees
$0	Lending establishment fee⁶
$0	Loan account fee
$395	with Advantage Package⁴
0.15%	Fixed rate - lock-in fee (minimum fee amount $500)

What is Rate Lock and how do I apply?

With the Rate Lock feature, you can lock in the current fixed interest rate. This way, for a fee, you are protected from the possibility of rising interest rates. If the current rate falls below your 'locked in’ rate on your settlement date, you'll be given the lower rate. Rate Lock will hold the current fixed rate for up to 90 days after you have locked in the rate for a fee of 0.15% of the loan amount (minimum fee amount $500, maximum charge is capped at $1,000 for loans up to $2M, and 0.15% of the loan amount for loan above $2M).

To apply for the Rate Lock feature, you can speak directly with your Home Finance Manager or Broker.

Switch to fixed in three easy steps

As an existing customer, with a variable rate home loan, switching to a fixed rate is simple. Just follow the steps:

Step 1

Log into Internet Banking or open your St.George App, then select your home loan.

Step 2

Desktop: Go to Switch to a fixed rate home loan.

App: Go to Services, then tap Switch to fixed rate.

Step 3

Choose your new fixed rate term and confirm.

Lock it in. Fix online now or request a call back if you need help.

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Get $4K cashback when you refinance to us

$4K

Cashback^ When you Refinance

Apply by 31st October 2022, and settle by 31st January 2023. Owner Occupier (P&I repayments) and Residential Investment loans, with LVRup to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^

Looking to refinance?

Full Terms and Conditions

^{^}How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 8th December 2021 to 31st October 2022 and settle by 31st January 2023 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

FAQs

How does the Refinance Cashback offer work?

$4,000 Refinance Cashback per primary applicant for applications received between 8th December 2021 - 31st October 2022 and settled by 31st January 2023. Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.

The cashback will be paid into a St.George transaction account within 60 days of settlement. The transaction account must be in the same name as the home loan account and linked to the home loan at the time of settlement. This account must be kept open for 60 days after settlement.

For the $4,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

What does ‘refinance’ and ‘Owner Occupier’ mean?

I’m an owner-occupier: can I get $4K cashback?

I’m an Investor: can I get $4K cashback?

How do I know if I’m eligible?

For the $4,000 Cashback offer, you’ll need to meet these conditions:

It’s an Investment home loan on either Interest Only or Principal & Interest repayments, or an Owner Occupier home loan with Principal & Interest repayments
It’s either our Basic Home Loan, or a Fixed or Variable Rate home loan under our Advantage Package^# ($395 annual package fee and full terms and conditions apply)
Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.
Loan size needs to be at least $250k.
LVR up to 80%
Apply before 31st October 2022 and settle by 31st January 2023.

Are there any exclusions?

Yes there are some. The $4,000 Cashback offer:

Excludes Owner Occupier home loans with Interest Only repayments
Excludes Portfolio Loans and residential lending originated under family or company trusts
Excludes home loan switches and internal refinances within the Westpac Group, including St.George, Bank of Melbourne, Westpac, BankSA and RAMS
Excludes loans with an LVR above 80%
Only one $4K cashback offer per primary applicant within a 12 month period
For joint applications, only one cashback payment will be paid to the primary applicant.
Excludes any loan amount below $250k

When does the 12 month period commence?

What is FASTRefi?

FASTRefi^{^^} is quicker and simpler than the traditional refinancing process - meaning you could access your new St.George home loan in days, rather than weeks.

It's fast. Get your new loan sooner with FASTRefi.
It's easy. We handle the process for you.
It has no extra fees. FASTRefi costs borrowers no more than a standard refinance.
It gives you more certainty. Be confident about when your new loan will be ready.
It's trusted. Thousands of people use FASTRefi each month.

Your guide to FASTRefi (PDF 2MB)

How does FASTRefi work?

Here's a summary of our FASTRefi process:

Step 1 – apply

Apply for your home loan as normal.
Your St.George lender calculates your estimated payout: they'll let you know if you qualify for FASTRefi.

Step 2 – sign your loan documents

Once you’ve returned your signed St.George loan documents and shown evidence of your current balance, relax – your work is done!

Step 3 – we'll open your St.George loan

We'll send the funds electronically to your other lender, paying out your old loan – your St.George loan is ready.
You may be charged an additional settlement agent fee by your old lender (ANZ, CBA, Citibank, NAB and Westpac tend not to charge this fee).

Step 4 – we'll settle your old loan

After settlement, we'll complete the recovery of your title and registration.
Any leftover buffer is refunded to you. Or if there's a shortfall, you'll need to cover it.

Your guide to FASTRefi (PDF 2MB)

Do I qualify for FASTRefi?

FASTRefi is available with most of our residential fixed and variable rate home loans, and investment property loans.

Apply for your refinance online in as little as 20 minutes. Then a St.George lender will call to chat, and let you know if your old loan and new loan are available through our FASTRefi process.

What if my home loan isn’t eligible?

Don’t worry, your St.George home loan’s well worth waiting for – and we’ll do our very best to fast-track settlement using our standard refinance process. Switching to our fixed home loan? Our rate-lock option lets you lock in your rate at the time your loan is approved.

Start your application online

Learn how much you could borrow.

It should only take around 20 minutes to apply.

A home loan expert will call you once you have submitted your application to talk through next steps.

Get started Get started

Already started an online application with us? Retrieve your application.

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Compare our home loans

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Home loan interest rates

View our latest interest rates for a range of St.George home loans to suit your needs. Compare our variable and fixed interest rates for owner occupiers and investors and options for principal and interest or interest only repayments.

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Important information

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 1300 000 266 Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.

¹Rate Lock: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The fixed rate - lock-in fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 mil. For loans above $2mil, the fixed rate - lock-in fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

Fixed rate home loan: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.

²A discount of 0.2% p.a. will apply only if the interest in advance amount is deducted from a St.George transaction account.

³If at any time before the end of a fixed rate period you switch to another product, interest rate (fixed or variable) or repayment type, then a break cost fee may apply. Switch break costs are explained in the Things You Should Know About Break Costs (PDF 69KB).

⁴Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you.

⁵If you make a prepayment beyond the prepayment threshold or change to another repayment type then break costs and fees may apply. Customers can make prepayments of up to the $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 69KB).

⁶Upfront fees and other fees and charges may apply.

^*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

⁺LVR stands for the initial loan to value ratio. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and won’t change during the life of the loan as the LVR changes.

Fixed rate home loan