St George Bank Home Loans - Mortgage Lender
St.George is Australia's fifth largest bank and one of the top 15 publicly listed companies in Australia. Founded in 1937 as a housing based financial institution, St.George built a reputation as Australia's foremost building society, before achieving full banking status in July 1992. Its national operations span all aspects of the financial industry including retail banking, institutional & business banking, and wealth management.
St George Bank Home Loans Loan Products
| Type of Loan |
Home Loan Information |
| > Introductory Rate Home Loan |
Options:
With an Introductory Fixed Rate the low rate is fixed; or
With a Discount Variable Rate you get a discount off the standard variable rate for home loans.
At the end of the introductory period, the interest rate reverts to the St.George Standard Variable Rate.
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| > Basic Home Loan |
The St.George Basic Home Loan is a straightforward variable rate home loan that offers a low interest rate and no ongoing monthly admin fees. It offers flexible payment options with weekly or fortnightly repayments and additional payments. |
| > Fixed Rate Home Loan |
St. George offers a range of fixed rate home loans, where the interest is "fixed" for a term of between one and five years. The rate is guaranteed not to change over the fixed period you select.At the end of the fixed rate period, the interest rate automatically converts to the St.George Standard Variable Rate, or you can ask us to fix the rate for another fixed rate period. |
| > Standard Variable Rate Home Loan |
The St.George Standard Variable Rate Home Loan offers you complete repayment flexibility and offers a full range of features including progress payments for building loans. |
| > Flexible Choice Home Loan |
Flexible Choice combines the flexibility of a variable rate loan with the security of a fixed rate loan. Otherwise known as a split loan, Flexible Choice is a combination of up to five smaller, separate loan accounts together forming one home loan. |
| > Portfolio Loan |
Portfolio Loan is line of credit loan. It offers you the most flexibility, to help you own your home sooner and utilise your increasing equity to invest in other assets, like an investment property or shares. |
| > Low Doc Home Loan |
If you're self-employed, experience uneven cash flows or have your personal and business income and expense records combined.
The St.George Low Doc Home Loans are available for either business or personal borrowers and may be used for personal, investment and business purposes. Depending on your loan size and the product you choose, you could also qualify for a special interest rate discount for the term of your loan, with no additional fees.
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| > No Deposit Home Loan |
The St.George No Deposit Home Loan - Loan Extension Fee option allows you to borrow up to 100% of the purchase price or valuation of your new home, without having to add the usual mortgage insurance. Instead, you simply pay a one-off, upfront Loan Extension Fee and then take your choice of a low on-going variable interest rate or a fixed interest rate.
The St.George No Deposit Home Loan - Quick Start option to borrow up to 100% of the purchase price or valuation of your new home. Instead of having to find cash for mortgage insurance or the upfront Loan Extension Fee, it's already covered by a slightly higher interest rate option on your loan.
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| > Seniors Access Home Loan |
Available for borrowers over 63 years; Receive the funds in one lump sum or you can request the advance periodically, as you require1, and use the money for any purpose; Defer repayment of the loan until the property is sold, or the borrowers no longer live in the home, or all borrowers are deceased; Make voluntary payments towards the loan at any time. |
St George Bank Home Loans Branches and offices
St George currently employs more than 8,500 people and has more than 400 branches across Australia.
Points of difference
St.George actively participates in the Australian Bankers' Association's Disabled Access Working Group to ensure their branches, ATMs and other facilities are accessible to the disabled. They are also linked to the National Relay Service, which helps hearing impaired customers conduct their banking.
The St.George Foundation supports children's charities in Australia to improve the lives of disabled and disadvantaged kids. Since 1990, over $1
Good mortgage brokers understand a broad range of lender preferences and that is why it is really useful to talk to a local mortgage broker about your specific situation. They will use their knowledge and specialized software to assist you in making the most informed decision. Simply put, a mortgage broker evaluates your situation against the lenders on their panel for the best deal. More information on how to pick a home loan or how to assess the right business loan is available right here on the X Inc. site.
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