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Current processing times

Processing times for first touch and returned information*
Full Application Accredited Gold Flame
PAYG Standard 1 day 1 day 1 day
PAYG Specialised 1 day 1 day 1 day
Self-Employed 2 days 2 days 1 day
Escalations 1 day 1 day 1 day
Approval In Principle Accredited Gold Flame
PAYG 1 day 1 day 1 day
Self-Employed AIPs 2 days 2 days 1 day


Standard PAYG, <=$3M, Fast Track
Specialised Home Guarantee Scheme, LMI, >80% LVR, Individual Trustees, Multiple Entities, =>$3m, Construction
Self-Employed Self-Employed (Full Assessment)


* In by 3pm AEDT.  Service times are based on the application being lodged correctly with all supporting mandated documents required by St.George. The days shown in the table above are business days.

Important information

This information is a guideline for expected assessment time at the date of publication and may vary depending on various environmental changes.

Ensure your application is error-free to get your application processed faster.

St.George works tirelessly to deliver the service levels you expect. While we’re prioritising these queues, we’ll endeavour to keep you updated as our service levels change.

We apologise for any inconvenience and would like to thank you for your continued support and understanding.

Credit policies and scenarios hotline

Call 1300 137 532 (select option 1, then option 5) for support with credit scenario questions.

Operating hours: Monday to Friday 8:30am - 5pm (ACDT) or 8:30am - 5:30pm (AEDT)


Need help but don't know where to start?

Speak to BDM today

Contact your BDM from your state or Territory.


Forms and Resources

Use our forms and resources to help you submit an error-free application.


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)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.