St.George Bank home loan rates

Where it sits

6.29% St.George Bank, lowest open

5.84% The benchmark

0.45pp higher

The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.

Both figures are advertised rates for a new customer. The discount a broker negotiates is published nowhere and is not in either number. Read your own rate against this.

Owner-occupied, principal and interest

Product	Type	LVR	Rate	Comparison
Basic Variable Home Loan	variable	0–70%	6.29%	6.30%
Fixed Rate Home Loan	fixed 2y	0–70%	6.34–6.54%	6.76–8.38%
Basic Variable Home Loan	variable	70–80%	6.39%	6.40%
Variable Home Loan with Offset	variable	0–70%	6.39–8.71%	6.77–8.85%
Fixed Rate Home Loan	fixed 1y	0–70%	6.44–6.64%	6.77–8.61%
Fixed Rate Home Loan	fixed 2y	70–80%	6.44–6.64%	6.85–8.48%
Variable Home Loan with Offset	variable	70–80%	6.49–8.81%	6.86–8.95%
Fixed Rate Home Loan	fixed 1y	70–80%	6.54–6.74%	6.87–8.71%
Fixed Rate Home Loan	fixed 3y	0–70%	6.54–6.74%	6.81–8.25%
Fixed Rate Home Loan	fixed 3y	70–80%	6.64–6.84%	6.91–8.34%
Basic Variable Home Loan	variable	80–95%	6.69%	6.70%
Fixed Rate Home Loan	fixed 4y	0–70%	6.69–6.89%	6.88–8.14%
Fixed Rate Home Loan	fixed 5y	0–70%	6.69–6.89%	6.90–8.01%
Fixed Rate Home Loan	fixed 2y	80–95%	6.74–6.94%	7.15–8.77%
Fixed Rate Home Loan	fixed 4y	70–80%	6.79–6.99%	6.97–8.24%
Fixed Rate Home Loan	fixed 5y	70–80%	6.79–6.99%	7.00–8.11%
Variable Home Loan with Offset	variable	80–95%	6.79–9.11%	7.16–9.25%
Fixed Rate Home Loan	fixed 1y	80–95%	6.84–7.04%	7.17–9.01%
Fixed Rate Home Loan	fixed 3y	80–95%	6.94–7.14%	7.20–8.64%
Fixed Rate Home Loan	fixed 4y	80–95%	7.09–7.29%	7.27–8.53%
Fixed Rate Home Loan	fixed 5y	80–95%	7.09–7.29%	7.29–8.40%

Where a rate is shown as a range, St.George Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 2.32 points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. Report it if that looks wrong.

Owner-occupied, interest only

Product	Type	LVR	Rate	Comparison
Fixed Rate Home Loan	fixed 2y	0–70%	6.69–6.89%	6.81–8.46%
Fixed Rate Home Loan	fixed 1y	0–70%	6.79–6.99%	6.80–8.65%
Fixed Rate Home Loan	fixed 2y	70–80%	6.79–6.99%	6.91–8.56%
Fixed Rate Home Loan	fixed 1y	70–80%	6.89–7.09%	6.90–8.75%
Fixed Rate Home Loan	fixed 3y	0–70%	6.89–7.09%	6.89–8.35%
Variable Home Loan with Offset	variable	0–70%	6.98–9.30%	7.00–9.12%
Fixed Rate Home Loan	fixed 3y	70–80%	6.99–7.19%	6.99–8.45%
Variable Home Loan with Offset	variable	70–80%	7.08–9.40%	7.10–9.22%
Fixed Rate Home Loan	fixed 4y	0–70%	7.09–7.29%	7.00–8.30%
Fixed Rate Home Loan	fixed 5y	0–70%	7.09–7.29%	7.04–8.20%
Fixed Rate Home Loan	fixed 4y	70–80%	7.19–7.39%	7.10–8.40%
Fixed Rate Home Loan	fixed 5y	70–80%	7.19–7.39%	7.14–8.30%
Basic Variable Home Loan	variable	0–70%	7.29%	6.73%
Basic Variable Home Loan	variable	70–80%	7.39%	6.84%
Relocation Loan with end	variable	0–70%	9.30%	9.12%
Relocation Loan without end	variable	0–70%	9.30%	9.12%
Relocation Loan with end	variable	70–80%	9.40%	9.22%
Relocation Loan without end	variable	70–80%	9.40%	9.22%

No band here goes above 80% of the property's value. That means St.George Bank publishes none — not that it will not lend above 80%. Whether it does is not in this data.

Investment, principal and interest

Product	Type	LVR	Rate	Comparison
Fixed Rate Home Loan	fixed 2y	0–70%	6.44–6.64%	6.93–8.83%
Basic Variable Home Loan	variable	0–70%	6.54%	6.55%
Fixed Rate Home Loan	fixed 1y	0–70%	6.54–6.74%	6.96–9.11%
Fixed Rate Home Loan	fixed 2y	70–80%	6.54–6.74%	7.03–8.93%
Variable Home Loan with Offset	variable	0–70%	6.59–9.27%	6.96–9.41%
Basic Variable Home Loan	variable	70–80%	6.64%	6.65%
Fixed Rate Home Loan	fixed 1y	70–80%	6.64–6.84%	7.06–9.21%
Fixed Rate Home Loan	fixed 3y	0–70%	6.64–6.84%	6.98–8.65%
Variable Home Loan with Offset	variable	70–80%	6.69–9.37%	7.06–9.51%
Fixed Rate Home Loan	fixed 3y	70–80%	6.74–6.94%	7.08–8.75%
Fixed Rate Home Loan	fixed 2y	80–95%	6.84–7.04%	7.33–9.22%
Fixed Rate Home Loan	fixed 4y	0–70%	6.84–7.04%	7.06–8.53%
Fixed Rate Home Loan	fixed 5y	0–70%	6.84–7.04%	7.07–8.37%
Basic Variable Home Loan	variable	80–95%	6.94%	6.95%
Fixed Rate Home Loan	fixed 1y	80–95%	6.94–7.14%	7.35–9.51%
Fixed Rate Home Loan	fixed 4y	70–80%	6.94–7.14%	7.15–8.63%
Fixed Rate Home Loan	fixed 5y	70–80%	6.94–7.14%	7.17–8.46%
Variable Home Loan with Offset	variable	80–95%	6.99–9.67%	7.36–9.81%
Fixed Rate Home Loan	fixed 3y	80–95%	7.04–7.24%	7.37–9.04%
Fixed Rate Home Loan	fixed 4y	80–95%	7.24–7.44%	7.45–8.92%
Fixed Rate Home Loan	fixed 5y	80–95%	7.24–7.44%	7.47–8.75%

Where a rate is shown as a range, St.George Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 2.68 points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. Report it if that looks wrong.

Investment, interest only

Product	Type	LVR	Rate	Comparison
Fixed Rate Home Loan	fixed 2y	0–70%	6.54–6.74%	6.94–8.86%
Fixed Rate Home Loan	fixed 1y	0–70%	6.64–6.84%	6.96–9.12%
Fixed Rate Home Loan	fixed 2y	70–80%	6.64–6.84%	7.04–8.95%
Fixed Rate Home Loan	fixed 1y	70–80%	6.74–6.94%	7.06–9.22%
Fixed Rate Home Loan	fixed 3y	0–70%	6.74–6.94%	6.99–8.69%
Fixed Rate Home Loan	fixed 3y	70–80%	6.84–7.04%	7.09–8.79%
Variable Home Loan with Offset	variable	0–70%	6.88–9.56%	7.06–9.54%
Basic Variable Home Loan	variable	0–70%	6.89%	6.70%
Fixed Rate Home Loan	fixed 2y	80–90%	6.94–7.14%	7.34–9.25%
Fixed Rate Home Loan	fixed 4y	0–70%	6.94–7.14%	7.07–8.58%
Fixed Rate Home Loan	fixed 5y	0–70%	6.94–7.14%	7.09–8.43%
Variable Home Loan with Offset	variable	70–80%	6.98–9.66%	7.16–9.64%
Basic Variable Home Loan	variable	70–80%	6.99%	6.80%
Fixed Rate Home Loan	fixed 1y	80–90%	7.04–7.24%	7.36–9.52%
Fixed Rate Home Loan	fixed 4y	70–80%	7.04–7.24%	7.17–8.68%
Fixed Rate Home Loan	fixed 5y	70–80%	7.04–7.24%	7.19–8.53%
Fixed Rate Home Loan	fixed 3y	80–90%	7.14–7.34%	7.39–9.08%
Variable Home Loan with Offset	variable	80–90%	7.28–9.96%	7.46–9.94%
Basic Variable Home Loan	variable	80–90%	7.29%	7.10%
Fixed Rate Home Loan	fixed 4y	80–90%	7.34–7.54%	7.47–8.97%
Fixed Rate Home Loan	fixed 5y	80–90%	7.34–7.54%	7.49–8.82%

Where a rate is shown as a range, St.George Bank published more than one under conditions it stated identically — same product, same term, same band, same loan size. The widest here is 2.68 points. A gap that size is usually a headline rate sitting beside the discounted rate it is discounted from — but nothing published says that, or says which one you would be offered, so both are shown. Report it if that looks wrong.

What changed

St.George Bank last moved a rate line on Friday 4 September. Every line is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what St.George Bank told you, it is usually one of these.

The published data is wrong

St.George Bank publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.

Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: St.George Bank
ABN: 33007457141
Product Reference Data endpoint: https://digital-api.stgeorge.com.au
Data read from that endpoint on: Saturday 12 September
Rate lines published at that time: 150

What appears to be wrong:
[describe what you checked, and what the published data says]

This data is published under the Product Reference Data standard and is
available publicly, without authentication or a consumer consent.

Open the report form ↗

The form is run by the Consumer Data Right, not by this site. Nothing you type here is sent anywhere — the text above is yours to copy.

This page reads it wrongly

The rate is published correctly and this page has misread it: a band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not. That one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Same place. The data behind every page here is free to download if you would rather check it yourself first.

Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.

Building something with this? There is an API, and the data is free.

Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.