Advantage Package

Personalise your all-in-one home loan package and save

Why get just a home loan when you can get an all-in-one home loan package? The Advantage Package offers exceptional value with interest rate and fee savings, on your home loan, credit card and transaction accounts.

Your home loan interest rate discounts and fee savings include:

Up to 0.70% p.a. off our Standard Variable or Portfolio Loan Variable
Up to 0.15% p.a. off our Standard and Portfolio Loan Fixed rates
$0 loan establishment, increase and switch fees – save up to $700
$0 monthly loan administration fee – save up to $14 per month
$0 annual credit card fee
$0 monthly transaction account keeping fee
$0 monthly service fee with 100% interest offset facility

Enquire Now

A St.George lending expert will contact you at your preferred time.

Click here for more information on how to apply.

Are you a First Home Buyer? Another advantage for you!

Do you qualify for a grant plus boost from the government? The First Home Owners Grant and Boost is still available for eligible homebuyers until 31 December 2009 and St.George can help by taking care of the paperwork. Simply ask one of our lenders or find out more about the First Home Owners Grant and Boost Schemes.

With the Advantage Home Loan Package it’s easy to start saving in 3 easy steps

Step 1: Choose the home loan that best suits your needs and lifestyle^

Flexible Choice for customers who want to enjoy the benefits of a fixed and a variable rate loan.
Portfolio Loan for customers who want full flexibility to combine personal and investment needs in the one convenient loan.
Standard Variable Rate Loan for customers who want a full range of features, and a competitive interest rate, without being locked in for a set term.
Fixed Rate Loan for customers who want to know exactly what their repayments will be during the fixed rate period.
Introductory Rate Home Loan offers a low discounted rate for an introductory period on your home loan.

Check how much you could save

Loan type	Loan amount	Interest Rate Discount
Standard Variable & Portfolio Variable	$0 – $100,000	0.00%p.a.
	$100 – $150,000	0.25%p.a.
	$150 – $250,000	0.50%p.a.
	$250,000 +	0.70%p.a.
Standard Fixed & Portfolio Fixed	$150,000 +	0.15%p.a.

Step 2: Choose your preferred credit card ^

Platinum Credit Card – The ultimate shopping and travel card combining great value and premium benefits^{^^}.
Gold Rate Low Card – Featuring complimentary overseas travel insurance and more.
Vertigo MasterCard – With a low rate on purchases, this is the ideal card for shopping.
Amplify Credit Card – The rewards card that gives you choice.

Step 3: Choose an everyday Transaction Account

Save on your everyday banking needs with one of our flexible transaction accounts.

Complete Freedom - Stay in control anywhere, anytime with the convenience of unlimited free transactions at St.George branches and ATMs^**, Internet and Phone Banking^**, cheque and EFTPOS^**.
Complete Freedom with Mortgage Equaliser Interest Offset - All the benefits of Complete Freedom, while using your savings to help you pay off your home loan faster.

Here's how you could be saving with the Advantage Package

If you chose:

$300,000 Standard Variable Rate Loan
100% offset facility
Platinum Credit Card
Complete Freedom account

Case study	Year 1	Year 2	Year 3
Loan establishment fee	$600
0.70% p.a interest rate discount ^#	$2,100	$2,100	$2,100
Loan monthly administration fee	$120	$120	$120
Interest offset monthly service fee	$60	$60	$60
Complete Freedom monthly account service fee	$60	$60	$60
Platinum Credit Card annual fee	$89	$89	$89
Sub-total of savings	$3,053	$2,453	$2,453
Advantage Package fee	$395	$395	$395
Total per year savings	$2634*	$2034*	$2034*

*Approximate figure only. If your loan requires Principal and Interest repayments, as your Principal reduces, so do your savings

Learn more about the Advantage Home Loan Package

Call a home loan expert on 13 33 30 and say 'New Mortgage' when prompted, 8am - 8pm (AEST), Monday to Saturday.

Enquire now

A St.George lending expert will contact you at your preferred time.

Click here for more information on how to apply.

Terms and Conditions

~Transaction fee exemptions include any phone and Internet banking withdrawals except for special services like telegraphic transfers and bank cheques, any St.George branded ATM, EFTPOS or cheque withdrawal fees, any over the counter withdrawal fees, any direct debit fees or any O/S MultiAccess card cash withdrawal fees.
^**Subject to systems availability and maintenance.
^{^}All applications for credit are subject to the Bank’s prevailing credit criteria. Fees and charges are payable and terms and conditions apply. Full details of all relevant terms and conditions are available on request.
¹ The rate available for 2 Year Fixed Rate Home Loan applications, approved and included in an Advantage Package where the customer's total home loan borrowings is $150,000 or more. Interest rates are subject to change. The Bank applies the 2 Year Fixed Rate on the loan settlement date, unless our Rate Lock feature is applied. A Rate Lock fee applies. At the end of the fixed rate period, a variable rate with the prevailing Advantage Package discount will apply, but may be withdrawn at any time. An annual package fee of $395 applies, other fees may be payable. Conditions apply and full details are available on request. Credit applications are subject to approval.
² The comparison rate shown above applies to a secured loan of $150,000 for a loan term of 25 years. Comparison Rate schedules are available. Please note this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Information current as at 4 June 2010.
# Standard Variable Rate discount under Advantage Package: 0.25%p.a. on secured loans of $100,000- $150,000, 0.50% p.a. on loans of $150,000- $250,000 and 0.70% p.a. on loans of $250,000 or more.
St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233 714