As of 18 September 2026, the St George Basic Variable Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.40% (6.39% advertised), ranking 47th of 107 variable owner-occupier P&I loans and sitting 0.36 points below the market average of 6.76%. The product comes in 11 variants; the others are investor, interest-only and other LVR bands.
6.40%comparison rate p.a.
6.39% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
10 other variants: investor, interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Basic Variable Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤70% LVR
- 6.30% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.40% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 6.70% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 6.73% comparison · 7.29% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.84% comparison · 7.39% advertised
- Variable · P&I · Investor · ≤70% LVR
- 6.55% comparison · 6.54% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.65% comparison · 6.64% advertised
- Variable · P&I · Investor · 80–95% LVR
- 6.95% comparison · 6.94% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 6.70% comparison · 6.89% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.80% comparison · 6.99% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.10% comparison · 7.29% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- No
- Portable
- Yes
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $30,000
- Maximum loan
- $5,000,000
About this product
Our no-frills variable home loan rate, with redraw and no establishment or ongoing monthly fees.