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Advantage Package

Save when you package a home loan, credit card and transaction account

  • Discounts3 up to 0.70% p.a. off variable rate home loans
  • Choose the home loan, credit card and transaction account most suitable for you – then package and save!
  • Get great home loan interest rate discounts and save on fees
  • Get great benefits from discounts on Home Loan Protection, Home and Contents Insurance, and Protection Plans premium
  • Perfect for 1st home buyers, investors and refinancing.

 

Apply online

All-in-one package

  • Combine a home loan, credit card, and transaction account to create your all-in-one package

Discount on interest rates3

  • Discounts3 up to 0.70% p.a. off variable rate home loans

 

Save on fees

  • $0 home loan establishment fee or monthly administration fee.
  • $0 annual credit card fee.
  • $0 monthly transaction account-keeping fee.

Convenient

  • Your 3 most important accounts in one spot

Compare

Fees
Annual fee $395 for Advantage Package. This single fee covers up to 5 home or investment loans1.
No fees on the following
  • $0 home loan establishment fee
  • $0 monthly loan administration fee 
  • $0 annual credit card fee2
  • $0 monthly transaction account-keeping fee
  • $0 monthly service fee on 100% interest offset facility
  • Free redraw via Phone and Internet banking
Standard Variable Rate and Portfolio Variable Home Loan Advantage Package discounts3
Total borrowing amount Standard Discount3
$0 - $99,999 0.00% p.a.
$100,000 - $149,000 0.25% p.a.
$150,000 - $249,999 0.50% p.a.
$250,000+ 0.70% p.a.
Home Loans Total borrowing amount Standard discount10 Limited time with special discount10
  • Fixed Rate Home loan
  • Portfolio Loan (fixed rate)
 $150,000+ 0.15% p.a. n/a
Credit Cards Purchase rate4 Cash advance rate5
Vertigo MasterCard®  p.a.  p.a.
Amplify  p.a.  p.a.
Platinum Visa® Card or MasterCard®  p.a.  p.a.
Gold Low Rate Visa® Card or MasterCard®  p.a.  p.a.

Create your own Advantage Package in 4 easy steps

1 Choose a Home Loan 2 Choose a Credit Card 3 Choose a Transaction Account
Standard Variable Rate: full features, competitive variable interest rate

Portfolio Loan: one flexible loan for personal and investment needs

Fixed Rate: fix your rate and know repayments for 1-5 years

Introductory Rate home loan:  get a special rate for the first year of your loan		 Amplify: your choice of 2 rewards programs - Amplify Rewards or Amplify Qantas

Vertigo MasterCard® great low rate credit card

Platinum Visa® Card: a low cost platinum credit card with a range of complimentary insurance covers and personal concierge service

Gold Low Rate Visa® Card or MasterCard®: low rate Gold credit card with complimentary insurance covers		 Complete Freedom: unlimited free transactions in branch, at St.George and Westpac ATMs, Internet and Phone Banking, cheque and EFTPOS

Complete Freedom with Mortgage Equaliser: unlimited transactions plus save on interest with an offset against your loan balance
4 Apply6 and save on interest rates and fees!

Get a special interest rate discount - plus save on fees!

With Advantage Package you get a special discounted home loan interest rate, with extra savings on your credit card, home loan and transaction account.

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Standard Variable Rate and Portfolio Variable Home Loan Advantage Package discounts3
Total borrowing amount Standard Discount3
$0 - $99,999 0.00% p.a.
$100,000 - $149,000 0.25% p.a.
$150,000 - $249,999 0.50% p.a.
$250,000+ 0.70% p.a.
Home Loans Total borrowing amount Standard discount10 Limited time with special discount10
  • Fixed Rate Home loan
  • Portfolio Loan (fixed rate)
 $150,000+ 0.15% p.a. n/a
Save on fees
Case Study: what you could save
If you created an Advantage Package with:
  • $300,000 Standard Variable home loan
  • 100% offset facility
  • Platinum Credit Card
  • Complete Freedom account
  Year 1 Year 2 Year 3
Loan establishment fee $600    
0.70%p.a. interest rate discount2 $2100 $2100 $2100
Loan monthly administration fee $120 $120 $120
Interest offset monthly service fee $60 $60 $60
Complete Freedom account service fee $60 $60 $60
Platinum Credit Card annual fee $89 $89 $89
Home Loan Protection discount7 $126 $126 $126
Home and Content discount7 $40 $40 $40
Protection Plans discount7 $110 $118 $127
Subtotal of savings $3305 $2713 $2722
Advantage Package fee $395 $395 $395
Total approximate savings per year7 $2910 $2318 $2327

Apply online

Apply online It takes just 15 minutes!

Enquire online

Enquire now and a home loan expert will call at your preferred time.

Call us

13 33 30, and say "New Mortgage" when prompted

Visit a branch

Find your nearest branch

Limited time offer! If you are considering the Advantage Package, meet with one of our Home Lenders* to receive a FREE APM Property Profile Report #

What you'll need

Complete checklist of documents

Tips

How to apply

Important information

St.George's normal lending criteria apply. Conditions and fees apply and may change.

View the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

Conditions and fees apply. St.George Bank, a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 issues the products on this website. The general information on our website is prepared without knowing your personal financial circumstances. Before you act on this general information, please consider if it's right for you.

1 The Advantage Package will support up to 10 Portfolio sub-accounts in a Package and up to 5 sequence loans (e.g. loans with Flexible Choice). Note when Lenders Mortgage Insurance (LMI) applies, only single sequence loan or Portfolio Loans can be Packaged.
2 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.
3 The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans: for loans between $100,000 and $149,999, 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 greater than $250,000, 0.70% p.a. discount will be applied. No discount applies for loans below $100,000. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.
4 Credit card purchase rate is subject to change and excludes cash advances
5 Credit card cash advance rate is subject to change. Interest on cash advances is calculated from the date the transaction is made.
6 All applications for credit are subject to the Bank's credit criteria. Fees and charges are payable and Terms and Conditions apply. Call us on 13 33 30 for a copy of the Terms and Conditions for any product.
7 The case study is an example only and loan repayments are on principal and interest rates. The figure quoted is an approximation. If you are on Principal and Interest payments, as your Principal reduces, so do your savings. The Home Loan Protection discount is based on an approximate premium for Life and Repayment cover. The Home and Content discount is based on an approximate premium for Home and Contents Insurance cover. The Protection Plan discount is based on an approximate premium for a Protection Plan. Discounts will vary depending on cover.
8 Home and Contents Insurance is issued by Westpac General Insurance Limited and distributed by St.George Bank, a division of Westpac Banking Corporation. Consider the Home and Contents Insurance Product Disclosure Statement and whether the insurance is appropriate for you. Discount cannot be combined with any other discount offers.
9 Westpac Life Insurance Services Limited ABN 31 003 149 157 (Westpac Life) is the insurer of Protection Plans. All Protection Plans are issued by Westpac Life, except for Term Life as Superannuation, which is issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL). The trustee of Term Life as Superannuation is WSAL which is part of the Superannuation Division of Westpac MasterTrust ABN 81 236 903 448. These policies are distributed by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 (St.George). Westpac Life is a subsidiary of Westpac Banking Corporation (Bank). St.George Financial Planners are representatives of the Bank. These policies are not an investment in or deposit with the Bank. Neither St.George, the Bank nor any member of the Westpac Group (other than Westpac Life as insurer) guarantees these policies.
10 The interest rate discounts are only available in Advantage Package for Fixed Rate Loans $150,000 or greater. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.

^ Loan to value ratio (LVR) is the amount of your loan compared to the value of your property or asset purchased with the loan funds, expressed as a percentage. For example, a loan of $400,000 to buy a property worth $500,000 results in a loan to value ratio of 80%. Banks place a limit on the loan to value ratio depending on things such as the type of property, the location and the financial position of the borrower.

* The free APM Property Profile Report is only available if you are considering the Advantage Package Home Loan and meet with a St.George home loan expert in person by 29 February 2012. This offer may be extended at St.George’s discretion.

# While the APM Property Profile Report is being offered to St.George customers with permission from Australian Property Monitors Pty ACN 061 438 006, St.George accepts no responsibility for its accuracy or completeness. We recommend you seek independent advice before making a decision based on this information.