Advantage Package

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

Why get just a home loan when you can get an all-inclusive home loan package? You’ll get great savings, not only on your home loan, but also on some of our most popular credit card and transaction accounts. The Advantage Home Loan Package represents exceptional value with interest rate and fee savings.

Home loan interest rate discounts – save up to 0.70% p.a. off our Standard Variable or Portfolio Loan Variable 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

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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.

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.
Starts Low, Stays Low – One low rate for purchases and cash, guaranteed to stay low.

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 keeping fee	$84	$84	$84
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	$2658*	$2058*	$2058*

*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 8am - 9pm (AEST), 7 days a week.

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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.