As of 18 September 2026, the St George Variable Home Loan with Offset's variable owner-occupier P&I variant has a comparison rate of 8.95% (8.81% advertised), ranking 102nd of 107 variable owner-occupier P&I loans and sitting 2.19 points above the market average of 6.76%. The product comes in 11 variants; the others are investor, interest-only and other LVR bands.
8.95%comparison rate p.a.
8.81% 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- Variable Home Loan with Offset · 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
- 8.85% comparison · 8.71% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 8.95% comparison · 8.81% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 9.25% comparison · 9.11% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 9.12% comparison · 9.30% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 9.22% comparison · 9.40% advertised
- Variable · P&I · Investor · ≤70% LVR
- 9.41% comparison · 9.27% advertised
- Variable · P&I · Investor · 70–80% LVR
- 9.51% comparison · 9.37% advertised
- Variable · P&I · Investor · 80–95% LVR
- 9.81% comparison · 9.67% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 9.54% comparison · 9.56% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 9.64% comparison · 9.66% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 9.94% comparison · 9.96% advertised
Fees
Headline variant- Application fee
- $600
- Ongoing fee
- $33 a month
- Discharge fee
- $350
- Package annual fee
- $395 a year
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- Yes
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $10,000
About this product
Our full-featured variable rate loan, with an offset account and redraw.