Our no-frills variable home loan rate, with redraw and no establishment or ongoing monthly fees.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.14% | 6.95% | Variable · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.24% | 7.05% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.54% | 7.36% | Variable · investment · interest only · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.80% | Variable · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.90% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 7.20% | Variable · investment · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 7.54% | 6.99% | Variable · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.64% | 7.09% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.54% | 6.55% | Variable · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.65% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.95% | Variable · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic- Content hash
sha256 acf466012c5a40f63b6007856b71dfa7b65fad71ca7db9c77d92f58c52f9280e- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_acf466012c5a40f6_bbd3525cShow details
- Checked
- 1 Nov 2026
- URL
https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGHLBasic- Content hash
sha256 acf466012c5a40f63b6007856b71dfa7b65fad71ca7db9c77d92f58c52f9280e- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Lending Establishment Fee | Upfront | $0.00 |
| Loan Account Fee | Periodic | $0.00 |
| Document Processing Fee | Event | $100.00 |
| Property Valuer Fee | Event | Set in your letter of offer |
| Missed Payment Fee | Late payment | $15.00 |
| Loan Discharge Fee | Exit | $350.00 |
| Lenders Mortgage Insurance Premium | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Flexible repayments: Choose to make your repayments weekly, fortnightly or monthly | |
| Other | No application fee: A no-frills home loan with $0 lending establishment fee. | |
| Other | No ongoing monthly fees: $0 monthly account-keeping fee. Other fees may apply | |
| Other | Limitless extra repayments: With no extra repayment fee or limits, you're free to pay off your loan as fast as you like. | |
| Redraw | Flexibility: Fee-free options include unlimited redraw, Interest Only and reducing repayments if rates fall. | |
| Digital banking | ||
| Other | Option to Loan Split/Subsequent Loan Sequence | |
| Other | The product includes a combination loan feature. | |
| Other | The product provides options which includes reduced repayment, repayment holiday, portability and loan increase (top up) features | |
| Other | The product includes a Relocation Loan End Debt feature | |
| Other | The product includes Switching (from another product) feature | |
| Other | Loan Payment Method - Direct Credit, Direct Debit (preferred), Branch Payment, Internet or Phone Banking | |
| Other | Substituting a security: You may ask us to accept a new mortgage over other land as a substitute for any mortgage which is security for your loan. We may agree to this if you satisfy any reasonable requirements that we have, such as repaying part of the loan amount. We will require the new mortgage to be provided at the same time that the existing mortgage is discharged. We charge a fee for substituting a mortgage or other security. | |
| Other | Statements of account: We will send you a statement of your loan account at least every six months or more frequently if you request | |
| Extra repayments | Subject to terms and conditions, this product includes extra repayment features. | |
| Fraud protection | The product includes fraud protection features. | |
| Guarantor | Subject to terms and conditions, this product includes guarantor features. | |
| Relationship management | Relationship management is available for eligible customers. | |
| Eligibility: min age | 18 | Applicant should be 18 years or over |
| Eligibility: residency status | Should be an Australian or New Zealand citizen(s) or permanent resident(s) | |
| Eligibility: other | Individuals Only | |
| Limit: min lvr | 0.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min limit | 30000.00 | |
| Limit: max limit | 5000000.00 | |
| Limit: other | ||
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.54% | 6.99% |
| Variable · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 6.95% |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.79% | 6.80% |
| Variable · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.54% | 6.55% |
| Variable · investment · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 7.19% | 7.20% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.24% | 7.05% |
| Variable · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 7.14% | 6.95% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.65% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.89% | 6.90% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.64% | 7.09% |
| Variable · investment · interest only · LVR 80%–90% | 1 Nov 2026 | Current | 7.54% | 7.36% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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