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Everything you and your client need to make the right choice




Rates and offers

View our latest competitive rates and offers for home and investment loans:




Policies and forms

Find out how to provide more options to your clients in BrokerHub:




Service lead times

We’re working hard to improve assessment and verification times:




Handy tools and guides

Stay up-to-date and always in the know with our tools, support and guides:

Home Guarantee Scheme

Your client can get into their home sooner with a deposit as little as 2% on the Family Home Guarantee and 5% on the First Home Guarantee and Regional First Home Buyer Guarantee.
 

Popular home loan calculators

 

Mortgage Calculator

Find out how much you may be able to borrow and the potential costs involved in buying a home.

Calculate borrowing power

Stamp duty calculator

Work out how much you could pay in stamp duty and other fees.

Calculate stamp duty

Refinance calculator

Rate-hunting? Estimate how much interest you could save by switching home loans to us.

Estimate refinance savings

The BrokerHub Pricing Tool is totally roarsome

The enhanced pricing tool on BrokerHub delivers a totally roarsome experience for both you and your clients.

 

$2K cashback when your client refinances with us

Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $2K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

 

 

We give you the support you need to help your clients

 

FASTRefi®

Turn your client refinances around with a faster and simpler solution to traditional procedures and avoid waiting for the other lender to process the discharge**.

Learn more

NextGenID

Your clients can now verify their identity securely and seamlessly on a smartphone. There's no need for a branch visit. Just make your request on AppyOnline.

Find out how

Broker support

With Broker tools and education, superior BDM support, and direct access to our Credit Team and call centre, our process keeps you up-to-date and in the know.

With you all the way

Need some help but don’t know where to start?

The first port of call is to contact your Aggregator or a Business Development Manager (BDM) from your State or Territory. Or call our Broker Hotline.

 

Call the Broker Hotline, Monday to Friday:
8.30am-5pm (ACDT), 8.30am-5:30pm (AEDT) 

The bank for first home buyers

Awarded at RFi Group Australian Lending Awards 2021 for Best First Home Buyer Lender.

Important information

Conditions, credit criteria, fees and charges apply.  Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 43KB)

Advantage Package - Terms and Conditions (PDF 648KB)

This information's been prepared without taking your clients objectives, needs and overall financial situation into account. For this reason, your client consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters.

Fixed rate home loan: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate. 

*Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is right for you.

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.

#Basic Home Loan Promotional Rates:

Basic Home Loan Promotional Principal and Interest Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 25/08/2022. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

Basic Home Loan Promotional Interest Only Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 26/10/2020. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

Residential Investment Basic Interest Only Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 24/11/2023. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply from 1st September 2023. Settlement must occur within 120 days of applying. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $2,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

**FASTRefi® : Only available: on eligible new St.George home loans; on eligible home loans with your clients’ current lender; if your clients’ other lender is on the FASTRefi® process list of eligible financial institutions. Your clients' other lender may charge your client an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the  FASTRefi® product is determined by St.George in conjunction with the insurance product guidelines. FASTRefi® is a registered trademark of, and is and provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your clients' personal objectives, circumstances or needs into account, so please consider  FASTRefi®’s appropriateness and read the disclosure documents for your clients' selected loan, including the Terms and Conditions, before deciding.

1Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.