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Current Cashback Offers

St.George currently has one cashback offer:

  • $2,000 Refinance Cashback+

$2,000 Refinance Cashback+

Eligibility

  • Available on refinance applications submitted by 30 September 2019, with loan settled by 30 November 2019.
  • Cashback offer applicable for refinances only.
  • Available for Owner Occupier (Principal & Interest repayments only) and Residential Investment Home Loans.
  • Home Loans under Advantage Package only. $395 annual package fee applies.
  • $250k minimum loan per property applies.
  • Applicants must have a St.George transaction account linked to the home loan at the time of settlement.
  • Applicants’ home loan repayments must be direct debited from this St.George transaction account.
  • The linked St.George transaction account must be kept open for at least 60 days after settlement to be eligible for the cashback.
  • Offer can be varied or withdrawn at any time.

Exclusions

  • Loans not on an Advantage Package.
  • Owner Occupier Interest Only Loans.
  • Portfolio Loans.
  • Refinances of existing Westpac, St.George, Bank of Melbourne, BankSA and RAMS Home Loans.
  • Applications submitted outside of the campaign period.
  • Non-resident borrowers.
  • Applicants that use foreign income to meet serviceability.

Basic Home Loan Promotional Rates

Basic Home Loan - New Owner Occupier Loans

LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan 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%. The interest rates below are for new loans. Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

Term Annual Rate   Comparison rate*
Principal & Interest
Special offer1 discount of 1.04% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 60%
(Includes further discount of 0.10% p.a.)
3.24% p.a. 3.26%p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
3.29% p.a. 3.31% p.a.
LVR above 80%
(No change to standard rate)
3.34% p.a. 3.36% p.a.

Basic Home Loan - New Residential Investment Loans

LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s valuation of your property offered to secure your loan 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%. The interest rates below are for new loans.  Home loan rates are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan.

LVR Annual Rate   Comparison rate*
Principal & Interest
Special offer2 1.10% p.a. off the Basic Home Loan rate is included in the below rates.
LVR up to 60%(Includes further discount of 0.10% p.a.) 3.74% p.a. 3.75% p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
3.79% p.a. 3.80% p.a.
LVR above 80%
(No change to standard rate)
3.84% p.a. 3.85% p.a.
Interest only
Special offer3 0.80% p.a. off the Basic Home Loan rate is included in the below rates.
LVR less than 60%
(Includes further discount of 0.10% p.a.)
4.33% p.a. 4.34% p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
4.38% p.a. 4.39% p.a.

Eligibility criteria:

  • This offer is available for new Basic Home Loans to St.George only
  • Excludes internal switches and refinances within St.George, Bank of Melbourne and BankSA.
  • Excludes Owner Occupier Interest Only home loans.
  • Excludes Non-Resident Lending.

Important information

Credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers.

Before making a decision, it’s best to read the terms and conditions:

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

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. Tax consequences may arise from these promotions for investors and customers should seek independent advice on any taxation matters.

^ Excludes Business Umbrella, Super Fund, BSA 904 loans, Executive Housing Loans, No Deposit LEF. Excludes Portfolio Loans or investment loan applications where the principal property securing the loan will be used to derive rental income or where the loan application purpose is to invest in real estate or to construct or make improvements to an investment property.

* 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 examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

$2,000 Refinance Cashback offer
+ For new home loan refinance applications submitted from 1 April 2019 to 30 September 2019, and settled by 30 November 2019 and taken as part of the Advantage Package. Offer current as at 1 July 2019. $250k min loan per property refinanced. Only 1 cashback per property purchased refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, switches and refinances of home loans from within Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans and for residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants must have a St.George transaction account linked to the home loan at the time of settlement, and must keep this account for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you. 

Basic Home Loan Promotional Rates

1. Basic Home Loan with Principal & Interest repayments: This offer is only available for new Basic Home Loan applications received from 19 September 2018. Rate includes 0.90% p.a. discount applied to our Owner Occupier Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be withdrawn at any time. Interest rates subject to change (and margins may apply).

2. Basic Residential Investment Home Loan with Principal & Interest repayments: This offer is only available for new Basic Home Loan applications received from 7 November 2018. Rate includes 1.10% p.a. discount applied to our Residential Investment Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be withdrawn at any time.  Interest rates subject to change (and margins may apply).  

3. Basic Residential Investment Home Loan with Interest Only repayments: This offer is only available for new Basic Home Loan applications received from 19 September 2018. Rate includes 0.80% p.a. discount applied to our Residential Investment Interest Only Basic Home Loan offer for the life of the loan. This offer may be withdrawn at any time. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. Interest rates subject to change (and margins may apply).

> Find out more


> Find out more


Offer details

Commercially Secured Loans – Terms have been extended to 25 years

St.George is happy to offer extended maximum terms for Business Loans.

With longer terms, your customers can now free up their cash flow to chase more opportunities.

Maximum loan terms for business loans have been extended as follows:

  • For residentially-secured business loans, our terms have increased by 5 years (from 25 to 30 years)1
  • For business loans secured by non-specialised commercial real estate or non-specialised rural land, our terms have increased by 10 years (from 15 to 25 years)1

Please note: Maximum loan terms remain unchanged where lending is against business assets (currently 10 years). Where security is in the form of specialised commercial property, relevant Sector Policy applies.

Contact your local BDM today to find out more.


Trail Book Finance – Expand your business by talking to us about leveraging your trail

We've got a great new product solution, designed to directly support you as a broker.

In an industry first, we're leading the way in lending against your trail book, so you can grow your business using your trail book as security. This allows you to fund business growth, better manage cash flow and avoid tying up personal assets like your home.

A few things that may have been on your mind, you can now do:

  • Purchase existing Finance Broker trail books
  • Refit or refurbish your offices
  • Refinance existing borrowings (for purchase of Finance Broker trail books or business)
  • Working capital up to $50,000
  • Succession planning

 

Important information

The information on our website is prepared without knowing your customers personal financial circumstances. Before you act on this, please consider if it’s right for your customer. If you need help, call 1300 137 532.

1. Unless relevant Sector or Product Policy stipulates otherwise.

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions: