145 live products
St. George
Best available rate
5.79%p.a.
Basic Variable Home Loan
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.80%
Offset
Not included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
St. George
Best available
From 5.79% p.a.
Line-up
145 live products
VS
St. George vs Up
Compare St. George and Up home loans in March 2026. St. George offers rates from 5.79% p.a. across 145 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.34%.
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.34%, which is roughly $142 per month on a $500,000 loan.
0.34% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | St. George | Up |
|---|---|---|
| Interest rate | 5.79% | 5.45% |
| Comparison rate | 5.80% | 5.45% |
| Offset account | No | Yes |
| Redraw | Yes | Yes |
All St. George Products
Every tracked home loans option from St. George.
All Up Products
Every tracked home loans option from Up.
St. George's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.34% lower, which saves approximately $142/month on a $500,000 loan.
Key features: St. George includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | St. George | Up |
|---|---|---|
| Interest Rate | 5.79% | 5.45% |
| Comparison Rate | 5.80% | 5.45% |
| Offset Account | No | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
St. George vs Up FAQs
Which bank has a lower home loan rate, St. George or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.79% p.a. Always check the comparison rate for a true cost picture.
Do St. George and Up home loans have offset accounts?
St. George does not include an offset account. Up offers an offset account.
What is St. George's lowest home loan rate in 2026?
St. George's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) on the Basic Variable Home Loan.
What is Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).