Mortgages

In many cases, a mortgage will just be referred to as a home loan. There are many different home loan products available in Australia, and below you will find a good selection so that you can find the one which suits you best. You'll find there are Variable, Standard, Fixed Rate, Non Conforming and more mortgages.

Credit Report        Mortgages Information

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

Mortgages vary, so to find which one is best for you, depends on your personal situation, income, home value and even age! Take your time when choosing between mortgages and compare the various offers and features with each one. You might find that one offers a cheaper rate but that another carries better additional features which you might find useful or attractive.

Need Help? If you would like further information and wish to speak to someone: Contact Us >>
Enquiry Line: +61 (0) 2 91916575

COMPANYTYPELENDERINITIAL RATELENGTHVAR RATECOMP RATEMINMAXFEESMORE INFO
St George Introductory Rate Home Loan
St George Introductory Rate Home Loan		First HomeLender6.64% (Fixed rate)12 Months7.10% p.a.7.88%p.a.$1,000$5,000,000Set Up

Set Up Fees

$600


Annual

Annual Fees

$10 p.m


LTV

LTV

Calculator available

St George Introductory Rate Home Loan
If you are buying your first home, The St George Introductory Rate home Loan helps to make life easier for you. You will receive a low introductory rate and for a limited time, you will receive $700 towards switching costs. At the end of the 12 month discounted rate period, the interest rate automatically reverts to the Standard variable Rate or Fixed Rate Home Loan.
DETAIL INFORMATION >>		Features

Features

Discounted variable interest rate under this loan is available if you are eligible for, and take out, the Advantage Package. Learn more about the Advantage Package5

Free Redraws: Yes
Splitting: Yes


Services

Services

1. Choose to pay weekly, fortnightly or monthly.
2. Choose a variable interest rate or a fixed interest rate


Advantages

Advantages

1. Ideal for first home owners or new St.George home loan customers
2. For a limited time, $700 dollars towards switching costs
3. A lower discounted interest rate1 - your choice of fixed2 or variable interest rate - for 12 months following your first draw down
4. At the end of the 12 month discounted rate period, the interest rate automatically reverts to the Standard Variable Rate alternatively, you can switch to a Fixed Rate Home Loan
5. If you choose this loan with a fixed rate and are eligible, it will be packaged with a selected credit card and transaction account. Learn more about the Advantage Package
6. Discounted variable interest rate under this loan is available if you are eligible for, and take out, the Advantage Package. Learn more about the Advantage Package.


Disadvantages

Disadvantages

1. One-year introductory period. At the end of the introductory period, the interest rate converts to the Standard Variable Rate.
2. There is a monthly administration fee

St.George Basic Home Loan
St.George Basic Home Loan		Standard VariableLender7.08%p.aN/A7.09%p.a.7.27% p.a.$1,000$5,000,000Set Up

Set Up Fees

$0 ( Limited Offer)


Annual

Annual Fees

$0.00


LTV

LTV

Calculator available

St.George Basic Home Loan
Enjoy no monthly fees and a lower interest rate with a Basic Home Loan from St George. For a limited time receive 7.08% p.a variable rate on loans over $250,000, pay no establishment fee and receive $700 towards switching costs. Apply online and a St. George home loan expert will contact you at your preferred time.
DETAIL INFORMATION >>		Features

Features

Features include reducing or avoiding Lender’s Mortgage Insurance when a family member provides additional security for part of your loan, redraw, repayment pause and more!

Free Redraws: Yes
Splitting: Yes


Services

Services

1. Ability to increase loan amount.
2. Redraw facility.
3. Repayment pause.
4. Family pledge.
5. Deposit and protect bond.


Advantages

Advantages

1. Australia's Home Lender of the Year
2. No monthly administration fees
3. Competitive interest rate
4. Flexible repayment options
5. Convenient redraw facility


Disadvantages

Disadvantages

1. Higher interest rate is higher for standard variable loans than basic loans because they usually offer additional features
2. Repayments rise when official interest rates rise
3. Establishment Fee usually $500

St George Standard Variable Rate
St George Standard Variable Rate		Standard VariableLender6.48 % p.a.1 year7.18 % p.a.0.00 p.a.$150,000$249,999Set Up

Set Up Fees

$600.00


Annual

Annual Fees

$10 p.m


LTV

LTV

Calculator available

St George Standard Variable Rate
The Standard Variable Rate Home Loan offered by St George gives you complete flexibility with a full range of features. The interest rate on this loan will move up and down with changes to rates in financial markets. Mortgages do tend to fluctuate in this way. You get a convenient redraw facility and flexible repayment option.
DETAIL INFORMATION >>		Features

Features

The Comparison Rate depends on:
1. Loan amount
2. The term of the loan
3. The repayment frequency
4. Interest rate
5. Fees and charges connected with the loan excluding both government charges (such as stamp duty or mortgage registration fees) and those that are not evident at the time the Comparison Rate is provided.


Free Redraws: Yes
Splitting: Yes


Services

Services

1. You can use to pay weekly, monthly and yearly
2. Applying to more funds is simple
3. This loan can be used for building


Advantages

Advantages

1. Flexible repayment options
2. 100% interest offset facility to help you save interest on your home loan
3. Convenient redraw facility
4. Make additional payments at any time
5. Set up convenient automatic repayments from your nominated account
6. Reduce or pause your home loan repayments for a period of between 3 to 12 months during a period of legitimate leave from the workforce


Disadvantages

Disadvantages

1. Subject to Bank approval. A fee applies for each approved request

News / Charts News and Charts

Australia’s Trade Surplus Soars To Record Highs
02 February 2012
Which Way to Pay
Australia’s currency is currently enjoying a five month high as its trade surplus reaches record highs thanks to coal and iron ore shipments in 2011.
Read More >>		Home Is Where The Heart Is – Protect It!
02 February 2012
Which Way to Pay
Finding the right cover to fully protect your home and its contents is an important financial decision that should not be taken too lightly.
Read More >>		Australian House Prices Fall Again
01 February 2012
Which Way to Pay
The Australian Bureau of Statistics released data that showed the price for houses fell 1 % in the December quarter and by 4.8 % in 2011.
Read More >>