Home loan · Variable
Variable Home Loan with Offset
7.11%comparison rate p.a. · 6.74% advertised · With the Advantage Package · $395 a year
Variable · P&I · Owner-occupier · 70–80% LVR
84th of 93 variable owner-occupier P&I loans
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
Often compared with: Westpac
- Variable · P&I · Owner-occupier · ≤70% LVR
- 7.01% comparison · 6.64% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 7.11% comparison · 6.74% advertised
- Variable · P&I · Owner-occupier · 80–95% LVR
- 7.41% comparison · 7.04% advertised
- Variable · Interest Only · Owner-occupier · ≤70% LVR
- 7.25% comparison · 7.23% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 7.35% comparison · 7.33% advertised
- Variable · P&I · Investor · ≤70% LVR
- 7.21% comparison · 6.84% advertised
- Variable · P&I · Investor · 70–80% LVR
- 7.31% comparison · 6.94% advertised
- Variable · P&I · Investor · 80–95% LVR
- 7.60% comparison · 7.24% advertised
- Variable · Interest Only · Investor · ≤70% LVR
- 7.31% comparison · 7.13% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 7.41% comparison · 7.23% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.71% comparison · 7.53% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Package (Advantage Package)
- $395 a year
- Rate without the package
- 9.06%
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- Yes
- Repayment holiday
- Yes
- Minimum loan
- $10,000
- Variable Home Loan with Offset · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20262 changes
- 10Sat
- 11 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%+0.24 to +0.25All Variable
P&I · Owner-occupier · ≤70% LVR 6.77 7.01 +0.24 P&I · Owner-occupier · 70–80% LVR 6.86 7.11 +0.25 P&I · Owner-occupier · 80–95% LVR 7.16 7.41 +0.25 Interest Only · Owner-occupier · ≤70% LVR 7.00 7.25 +0.25 Interest Only · Owner-occupier · 70–80% LVR 7.10 7.35 +0.25 P&I · Investor · ≤70% LVR 6.96 7.21 +0.25 P&I · Investor · 70–80% LVR 7.06 7.31 +0.25 P&I · Investor · 80–95% LVR 7.36 7.60 +0.24 Interest Only · Investor · ≤70% LVR 7.06 7.31 +0.25 Interest Only · Investor · 70–80% LVR 7.16 7.41 +0.25 Interest Only · Investor · 80–90% LVR 7.46 7.71 +0.25
- 8Thu
- Application fee $600 → $0 on 11 variants−$600All Variable
P&I · Owner-occupier · ≤70% LVR $600 $0 −$600 P&I · Owner-occupier · 70–80% LVR $600 $0 −$600 P&I · Owner-occupier · 80–95% LVR $600 $0 −$600 Interest Only · Owner-occupier · ≤70% LVR $600 $0 −$600 Interest Only · Owner-occupier · 70–80% LVR $600 $0 −$600 P&I · Investor · ≤70% LVR $600 $0 −$600 P&I · Investor · 70–80% LVR $600 $0 −$600 P&I · Investor · 80–95% LVR $600 $0 −$600 Interest Only · Investor · ≤70% LVR $600 $0 −$600 Interest Only · Investor · 70–80% LVR $600 $0 −$600 Interest Only · Investor · 80–90% LVR $600 $0 −$600
Our full-featured variable rate loan, with an offset account and redraw.
Also from St George: Basic Variable Home Loan 6.65% · Fixed Rate Home Loan 7.02%
As of 2 November 2026, the St George Variable Home Loan with Offset's variable owner-occupier P&I variant has a comparison rate of 7.11% (6.74% advertised), ranking 84th of 93 variable owner-occupier P&I loans and sitting 0.53 points above the market average of 6.58%. The product comes in 11 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 10 October 2026, 10 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.