Intro or Honeymoon Rate Home Loans - St George Bank - Fixed 1yr Intro |
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to select a different loan amount and loan term. Currently: $150,000 over 30 years |
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| Home Loan Lender |
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St George Bank Home Loan |
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| Home Loan Product Name |
Fixed 1yr Intro |
| Interest Rate |
8.94% |
Comparison Rate
Estimated |
9.56% |
| Amount |
$150,000 |
| Term |
30 years |
Initial Monthly Payment
Estimated |
$1,200.46 |
Monthly Payment
Estimated |
$1,257.10 |
Total Paid
Estimated |
$456,036 |
| Establishment Fee |
$600.00 |
| Enquire/Apply |
 
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| Target Market |
To buy, block &/or build or refinance residential security.
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Consolidation of debt may form part of loan sought.
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The Family Pledge option is available on the Standard Housing Loan refer to Family Pledge Profile - for policy details. |
| Acceptable Income |
Self employed, Salary & Wage earners. |
| Loan Term |
30 years.
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Interest Only Loans revert to Standard Variable P & I after I/O term at which time they may be renegotiated. |
| Loan Size |
Minimum: $10K
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Maximum no maximum. |
| Repayment Type |
Principal & Interest
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Interest Based 1 - 15 years. |
| Repayment Options |
Weekly Fortnightly or monthly
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Interest Only monthly repayment. |
| Extra Repayments |
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| Split Loan Facility |
Yes. |
| Offset |
100% offset available on both Honeymoon and Standard Variable products on a P & I and Interest only basis. Link loan to Freedom Savings Account. Offset Service Fee: $5 pm on loan. |
| Redraw Facility |
No minimum Amount (available on internet). Manual Fee: $25. Electronic Fee $10 Only available on variable rates. |
| LVR |
Owner Occupied Maximum LVR 95%
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Investment Maximum LVR 95%
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Construction Maximum LVR95%
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Refinancing Maximum LVR 90%
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Where Consolidation of debt forms part of loan sought to 85% - 90% neg.
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Country & Special Rural Zoned Securities - LVR on application.
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Mortgage Insurance over LVR 80%.
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No Genuine Savings is available refer to Special Lenders Criteria for information. |
| Fees |
Establishment Fee:$600 (includes 1 valuation)
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Settlement/Lodgement Fee:$ 100 per loan (Fee displayed as Mortgage Preparation )
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Monthly Service Fee:$10 per month
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Additional Valuations:$0 Valuers travelling allowance payable by customer.
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Additional security fee $100
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Early Repayment Fee $1K for negotiated interest rates standard loans with Advantage Package with discounted rates or receive a discount on a Fixed Rate and discharge the loan within 3 years will be liable for ERF plus Breakcosts if applicable.
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Early Termination fee. 0.9% of the loan amount if an introductory home loan is discharged in full within 3 years of the settlement date.
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Fixed Rate Repayment Fee this fee will apply to home loans that are fully discharged before the end of their fixed rate period : $150
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Redraw Fee Electronic $10
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Manual Redraw Fee $25
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Increase Fee $395
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Switch Fee to LIS $350
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Switch Fee to Portfolio $350
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Rate Lock Fee 0.15% of the loan amount or $395 (whichever is higher)
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Consent to Subdivision $350
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Substitution of Security / Renegotiation $350
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Discharge of Mortgage Fee $350
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Discharge Settlement Processing Fee $100
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Progress Payment Administration Fee $250 (Contract Builders)
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Progress payment final inspection fee $102.50
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Arrears Letter Fee $50 |
| Enquire/Apply |
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| Other Intro or Honeymoon Rate Home Loans |
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| Other St George Bank Home Loan Products |
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This Comparison Rate applies only to $150,000 with a loan term of 30 years. The loan amount and term will affect the comparison rate calculation. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparsion rate calculation but may influence the cost of the loan.
This rate is to be used as a guide only and we recommend that you confirm it with the lender before acting upon it.
The information provided in this website is a guide only and may not be complete for your purposes. ratesonline.com.au is not licensed to provide investment advice and recommends that you consult an independent financial adviser.
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