Home loan interest rates
Basic Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 0.83% p.a. off the Basic Home Loan Rate |
3.80% p.a. | 3.81% p.a. |
| Basic Home Loan Rate | 4.63% p.a. | 4.68% p.a. |
| Interest only | ||
| Basic Home Loan Rate | 5.22% p.a. | 5.27% p.a. |
Standard Variable Rate - Owner Occupier
| Balances | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| All balances | 5.21% p.a. | 5.38% p.a. |
| Interest only | ||
| All balances |
5.80% p.a. | 5.96% p.a. |
Get an Advantage Package* discount on Balances $150,000+
| Balances | Advantage Package* Limited Time Special Discount# | Standard Variable Rate with Advantage Package* Limited Time Special Discount# | Comparison rate1 |
|---|---|---|---|
| Principal & Interest | |||
| $150,000 - $249,999 | 0.60% p.a. | 4.61% p.a. | 5.00% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 4.41% p.a. | 4.81% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 4.36% p.a. | 4.76% p.a. |
| $750,000+ | 0.90% p.a. | 4.31% p.a. | 4.71% p.a. |
| Interest only | |||
| $150,000 - $249,999 | 0.60% p.a. | 5.20% p.a. | 5.58% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.00% p.a. | 5.39% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 4.95% p.a. | 5.34% p.a. |
| $750,000 + | 0.90% p.a. | 4.90% p.a. | 5.29% p.a. |
Get an Advantage Package* discount on Balances $100,000+
| Balances | Standard Advantage Package* Discount | Standard Variable Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|
| Principal & Interest | |||
| $100,000 - $149,999 | 0.25% p.a. | 4.96% p.a. | 5.35% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 4.71% p.a. | 5.10% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 4.51% p.a. | 4.91% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 4.51% p.a. | 4.91% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 4.51% p.a. | 4.91% p.a. |
| $1 Million + | 0.70% p.a. | 4.51% p.a. | 4.91% p.a. |
| Interest only |
|||
| $100,000 - $149,999 | 0.25% p.a. | 5.55% p.a. | 5.93% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.30% p.a. | 5.68% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.10% p.a. | 5.49% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.10% p.a. | 5.49% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.10% p.a. | 5.49% p.a. |
| $1 Million + | 0.70% p.a. | 5.10% p.a. | 5.49% p.a. |
Fixed Rate Home Loan - Owner Occupier
| Term | Annual rate | Comparison rate1 (secured loan) | Advantage Package* Discount | Fixed Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 4.14% p.a. | 5.27% p.a. | 0.15% p.a. | 3.99% p.a. | 5.03% p.a. |
| 2 year fixed | 4.00% p.a. | 5.15% p.a. | 0.15% p.a. | 3.85% p.a. | 4.94% p.a. |
| 3 year fixed | 4.09% p.a. | 5.07% p.a. | 0.15% p.a. | 3.94% p.a. | 4.90% p.a. |
| 4 year fixed | 4.44% p.a. | 5.11% p.a. | 0.15% p.a. | 4.29% p.a. | 4.96% p.a. |
| 5 year fixed | 4.44% p.a. | 5.05% p.a. | 0.15% p.a. | 4.29% p.a. | 4.93% p.a. |
| Interest only | |||||
| 1 year fixed | 4.64% p.a. | 5.85% p.a. | 0.15% p.a. | 4.49% p.a. | 5.60% p.a. |
| 2 year fixed | 4.39% p.a. | 5.69% p.a. | 0.15% p.a. | 4.24% p.a. | 5.48% p.a. |
| 3 year fixed | 4.49% p.a. | 5.60% p.a. | 0.15% p.a. | 4.34% p.a. | 5.42% p.a. |
| 4 year fixed | 4.79% p.a. | 5.61% p.a. | 0.15% p.a. | 4.64% p.a. | 5.45% p.a. |
| 5 year fixed | 4.99% p.a. | 5.62% p.a. | 0.15% p.a. | 4.84% p.a. | 5.49% p.a. |
Basic Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 0.83% p.a. off the Basic Home Loan Rate |
3.80% p.a. | 3.81% p.a. |
| Basic Home Loan Rate | 4.63% p.a. | 4.68% p.a. |
| Interest only | ||
| Basic Home Loan Rate | 5.22% p.a. | 5.27% p.a. |
Relocation Home Loan - Owner Occupier
| Term | Annual Rate | Comparison rate1 |
|---|---|---|
| Interest only | ||
| With end loan | 5.80% p.a. | 5.96% p.a. |
| Without end loan | 5.80% p.a. | 6.02% p.a. |
Basic Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest |
||
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 1.01% p.a. off the Basic Home Loan Rate |
4.19% p.a. | 4.20% p.a. |
| Basic Home Loan Rate | 5.20% p.a. | 5.25% p.a. |
| Interest only | ||
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 0.85% p.a. off the Basic Home Loan Rate |
4.89% p.a. | 4.90% p.a. |
| Basic Home Loan Rate | 5.74% p.a. | 5.79% p.a. |
Standard Variable Rate - Residential Investment
| Balances | Standard Variable Rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| All balances | 5.78% p.a. | 5.94% p.a. |
| Interest only | ||
| All balances |
6.32% p.a. | 6.48% p.a. |
Get an Advantage Package* discount on Balances $150,000+
| Balances | Advantage Package* Limited Time Special Discount# | Standard Variable Rate with Advantage Package* Limited Time Special Discount# | Comparison rate1 |
|---|---|---|---|
| Principal & Interest | |||
| $150,000 - $249,999 | 0.60% p.a. | 5.18% p.a. | 5.56% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 4.98% p.a. | 5.37% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 4.93% p.a. | 5.32% p.a. |
| $750,000+ | 0.90% p.a. | 4.88% p.a. | 5.27% p.a. |
| Interest only | |||
| $150,000 - $249,999 | 0.60% p.a. | 5.72% p.a. | 6.09% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.52% p.a. | 5.90% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.47% p.a. | 5.85% p.a. |
| $750,000+ | 0.90% p.a. | 5.42% p.a. | 5.80% p.a. |
Get an Advantage Package* discount on Balances $100,000+
| Balances | Standard Advantage Package* Discount | Standard Variable Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|
| Principal & Interest | |||
| $100,000 - $149,999 | 0.25% p.a. | 5.53% p.a. | 5.91% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.28% p.a. | 5.66% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.08% p.a. | 5.47% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.08% p.a. | 5.47% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.08% p.a. | 5.47% p.a. |
| $1 Million + | 0.70% p.a. | 5.08% p.a. | 5.47% p.a. |
| Interest only |
|||
| $100,000 - $149,999 | 0.25% p.a. | 6.07% p.a. | 6.44% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.82% p.a. | 6.19% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.62% p.a. | 6.00% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.62% p.a. | 6.00% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.62% p.a. | 6.00% p.a. |
| $1 Million + | 0.70% p.a. | 5.62% p.a. | 6.00% p.a. |
Fixed Rate Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 (secured loan) | Advantage Package* Discount | Fixed Rate with Advantage Package* | Comparison rate1 |
|---|---|---|---|---|---|
| Principal & Interest | |||||
| 1 year fixed | 4.34% p.a. | 5.80% p.a. | 0.15% p.a. | 4.19% p.a. | 5.56% p.a. |
| 2 year fixed | 4.34% p.a. | 5.67% p.a. | 0.15% p.a. | 4.19% p.a. | 5.46% p.a. |
| 3 year fixed | 4.34% p.a. | 5.55% p.a. | 0.15% p.a. | 4.19% p.a. | 5.37% p.a. |
| 4 year fixed | 4.74% p.a. | 5.58% p.a. | 0.15% p.a. | 4.59% p.a. | 5.42% p.a. |
| 5 year fixed | 4.74% p.a. | 5.50% p.a. | 0.15% p.a. | 4.59% p.a. | 5.37% p.a. |
| Interest only | |||||
| 1 year fixed | 4.84% p.a. | 6.33% p.a. | 0.15% p.a. | 4.69% p.a. | 6.08% p.a. |
| 2 year fixed | 4.64% p.a. | 6.15% p.a. | 0.15% p.a. | 4.49% p.a. | 5.94% p.a. |
| 3 year fixed | 4.64% p.a. | 6.01% p.a. | 0.15% p.a. | 4.49% p.a. | 5.83% p.a. |
| 4 year fixed | 5.24% p.a. | 6.09% p.a. | 0.15% p.a. | 5.09% p.a. | 5.93% p.a. |
| 5 year fixed | 5.24% p.a. | 6.02% p.a. | 0.15% p.a. | 5.09% p.a. | 5.88% p.a. |
Basic Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest |
||
Basic Home Loan Promotional Discounted Rate Special limited time offer^ Rate includes 1.01% p.a. off the Basic Home Loan Rate |
4.19% p.a. | 4.20% p.a. |
| Basic Home Loan Rate | 5.20% p.a. | 5.25% p.a. |
| Interest only | ||
Special limited time offer^ Rate includes 0.85% p.a. off the Basic Home Loan Rate |
4.89% p.a. | 4.90% p.a. |
| Basic Home Loan Rate | 5.74% p.a. | 5.79% p.a. |
Portfolio Loan - Residential Investment
| Balances |
Variable rate |
|---|---|
| All balances | 6.44% p.a. |
Get an Advantage Package* discount on Balances $150,000+
| Balances | Advantage Package* Limited Time Special Discount# | Standard Variable Rate with Advantage Package* Limited Time Special Discount# |
|---|---|---|
| Interest only |
||
| $150,000 - $249,999 | 0.60% p.a. | 5.84% p.a. |
| $250,000 - $499,999 | 0.80% p.a. | 5.64% p.a. |
| $500,000 - $749,999 | 0.85% p.a. | 5.59% p.a. |
| $750,000+ | 0.90% p.a. | 5.54% p.a. |
Get an Advantage Package* discount on Balances $100,000+
| Balances | Standard Advantage Package* Discount | Variable Rate with standard Advantage Package* Discount |
|---|---|---|
| Interest only | ||
| $100,000 - $149,999 | 0.25% p.a. | 6.19% p.a. |
| $150,000 - $249,999 | 0.50% p.a. | 5.94% p.a. |
| $250,000 - $499,999 | 0.70% p.a. | 5.74% p.a. |
| $500,000 - $749,999 | 0.70% p.a. | 5.74% p.a. |
| $750,000 - $999,999 | 0.70% p.a. | 5.74% p.a. |
| $1 Million + | 0.70% p.a. | 5.74% p.a. |
Get an Advantage Package* discount on Balances $150,000+
Portfolio Loan Fixed Rate sub-accounts
| Term | Annual rate | Advantage Package* Discount | Fixed Rate with Advantage Package* |
|---|---|---|---|
| Interest only | |||
| 1 year fixed | 4.84% p.a. | 0.15% p.a. | 4.69% p.a. |
| 2 year fixed | 4.64% p.a. | 0.15% p.a. | 4.49% p.a. |
| 3 year fixed | 4.64% p.a. | 0.15% p.a. | 4.49% p.a. |
| 4 year fixed | 5.24% p.a. | 0.15% p.a. | 5.09% p.a. |
| 5 year fixed | 5.24% p.a. | 0.15% p.a. | 5.09% p.a. |
Relocation Home Loan - Residential Investment
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Interest only |
||
| With end loan | 6.32% p.a. | 6.48% p.a. |
| Without end loan | 6.32% p.a. | 6.54% p.a. |
|
| Term | Annual rate | Comparison rate1 |
|---|---|---|
| Principal & Interest | ||
| Variable Rate | 6.53% p.a. | 6.78% p.a. |
| Fixed Rate | ||
| 1 year fixed | 5.99% p.a. | 6.72% p.a. |
| 2 year fixed | 5.99% p.a. | 6.67% p.a. |
| 3 year fixed | 6.09% p.a. | 6.65% p.a. |
| 4 year fixed | 6.39% p.a. | 6.73% p.a. |
| 5 year fixed | 6.39% p.a. | 6.72% p.a. |
| Interest only | ||
| Variable Rate | 7.07% p.a. | 7.32% p.a. |
| Fixed Rate | ||
| 1 year fixed | 6.44% p.a. | 7.25% p.a. |
| 2 year fixed | 6.44% p.a. | 7.19% p.a. |
| 3 year fixed | 6.54% p.a. | 7.16% p.a. |
| 4 year fixed | 6.84% p.a. | 7.23% p.a. |
| 5 year fixed | 6.84% p.a. | 7.22% p.a. |
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How to apply
Important information
Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:
- Residential Loan Agreement - General Terms and Conditions
- Loan Accounts - Charges for specific services and accounts and
- Portfolio Loan Agreement - General Terms and Conditions
Your welcome letter, which contains the loan offer and other information such as interest rates and fees.
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 13 13 76.
1 The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
After the fixed period, the rate reverts to the applicable Standard Variable Rate based on your loan category and repayment type.
* Advantage Package: Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.
# Limited time special discounts: These special interest rate discounts are only available for Standard Variable Rate and Portfolio Variable Rate Advantage Package Home Loans. These are current offers and may be withdrawn at any time. These special interest rate discounts are instead of, and cannot be taken in addition to the standard Advantage Package discounts. If you apply after the end of this offer the standard Advantage Package discounts which will apply are available http://www.banksa.com.au/personal/home-loans/our-home-loans/popular/advantage-package.
^Basic Home Loan Promotional Rate:
This offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 30 August 2017. Interest rates subject to change (and margins may apply). Refer to banksa.com.au/personal/home-loans or call us 13 13 76 for more information on current offers available. Excludes internal refinances and switches within St.George Banking Group.
## Rates current as at 19 September 2016 and subject to change. Excludes Investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make property improvements to an investment property. Refer to info.banksa.com.au/homeloans or call us for more information on current offers available.
There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.