Fixed Rate Home Loan

Lock in a little certainty with a fixed interest rate for 1-5 years.

Interest Rates

Type	Rate	Comparison	Applies To
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.	6.34%	6.76%	LVR up to 70%
Fixed · 1 year The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.	6.44%	6.77%	LVR up to 70%
Fixed · 2 years Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply. For Government's home guarantee scheme-backed loans, maximum LVR may differ.	6.44%	6.85%	LVR 70% up to 80%
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%. For Government's home guarantee scheme-backed loans, maximum LVR may differ.	6.54%	8.38%

Type	Rate	Comparison	Applies To
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.69%	6.81%	LVR up to 70%
Fixed · 1 year The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.79%	6.8%	LVR up to 70%
Fixed · 2 years Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.79%	6.91%	LVR 70% up to 80%
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%.	6.89%	8.46%	LVR up to 70%

Type	Rate	Comparison	Applies To
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.44%	6.93%	LVR up to 70%
Fixed · 1 year The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.54%	6.96%	LVR up to 70%
Fixed · 2 years Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.54%	7.03%	LVR 70% up to 80%
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%.	6.64%	8.83%	LVR up to 70%

Type	Rate	Comparison	Applies To
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.54%	6.94%	LVR up to 70%
Fixed · 1 year The rates include our 0.10% p.a. discount for LVRs+ up to 70%. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.64%	6.96%	LVR up to 70%
Fixed · 2 years Our standard interest rate applies if you're borrowing above 70% and up to 80% of our property valuation. Our Advantage Package gives you a 0.20% interest rate discount and other product savings, for an annual package fee. T&Cs apply.	6.64%	7.04%	LVR 70% up to 80%
Fixed · 2 years The rates include our 0.10% p.a. discount for LVRs+ up to 70%.	6.74%	8.86%	LVR up to 70%

Fee	Type	Amount
Lending Establishment Fee −$600.00 — This fee is waived for Customers that have Premier Advantage Package (other fees apply)	Upfront	$600.00
Loan Account Fee Charged monthly −$8.00 — This fee is waived for Customers that have Premier Advantage Package (other fees apply)	Ongoing	$8.00
Document Processing Fee The Settlement Processing Fee, is a fee charged as apart of the fees for Loan Establishment. It is the fee charged for the processing of settlement services. These can include document validation, value transaction processing and, conveyancing activities required for mortgage lending settlements.	Event	$100.00
Property Valuer Fee The Fee starts from $ 164 and the amount payable is dependent on location/value of security property(s)	Event	Variable
Missed Payment Fee Fee payable when we send customer an arrears letter relating to an overdue amount	Late payment	$15.00
Loan Discharge Fee

Flexible repayments : Choose to make your repayments weekly, fortnightly or monthly
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).
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 period.
Discounts on other products — Advantage Package Option and save : With a St. George Advantage Package, you can get discounted interest rates and fees when you package your home loan, credit card and transaction account. An annual package fee of $395 applies.
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.
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 rate

Minimum age — 18 yearsApplicant should be 18 years or over
Residency status — Should be an Australian or New Zealand citizen(s) or permanent resident(s)
Individuals, Trusts (individual and company trustees), Company, Partnership

Published by St.George Bank under the Consumer Data Right · Last updated 9 July 2026 · Product ID STGHLFixedRate · View on CDR.gov.au