Home Loans

BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN 39 827 542 991) and is the issuer of interests in BT Super for Life. You can download a Product Disclosure Statement (PDS) ,or obtain a copy by calling 1300 653 553 or visit any St.George branch. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141, St.George Bank or BankSA (which are Divisions of Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.

¹ The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Standard interest rate discount, for loans between $100,000 and $149,999, of 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied; for loans between $250,000 and $499,999, 0.70% p.a. discount will be applied. No discount applies for loans below $100,000. Special interest rate discounts for loans greater than $500,000, for new packaged loans and loan amounts applied for between 21 March 2012 and 31 May 2012, 0.80% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. Advantage Package annual fee, currently $395, is payable from an eligible St George transactional account.
^* Redraw requests are subject to our approval. Fees apply. For fixed rate loans, redraw is only available for loans fixed on or after 30 November 2009 and only up to a maximum of $10,000 and break costs may apply.
^# This offer is available on applications received from 21 March 2012 to 31 May 2012 and settled by 15 July 2012 under the Advantage Package. You must hold a St George transaction account and direct debit your repayments in order to receive the rebate. You must nominate a St George home loan or deposit account for the $700 payment to be deposited into. Where no account is nominated prior to settlement, the payment will be made into the new home loan account at settlement. The $700 payment only applies to new personal or investment home loan applications for secured borrowings of $250,000 or more where the loan purpose is to refinance. Offer is not available for loan refinances of existing St George home loans, BankSA, and Bank of Melbourne home loans. An annual Advantage Package fee currently $395, applies. This offer is limited to one home loan application (including single or multiple applicants) and cannot be used in conjunction with any other offer. Conditions, fees and charges apply and are available on request. All applications for credit are subject to St George’s prevailing credit criteria. St George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12)