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Current Cashback Offer

Up to $4,000 Refinance Cashback+

Eligibility

  • Credit criteria, fees and charges apply. Terms and conditions available at St.George.
  • $2,000 Refinance Cashback per property for new refinance applications received between 1 April 2020 to 31 January 2021 and settle by 31 March 2021. Only 1 cashback per property refinance will be paid regardless of the number of loans involved.
  • One $2,000 Bonus Refinance Cashback for a new refinance application submitted between 18 September 2020 to 31 January 2021 and settle by 31 March 2021 with maximum LVR of 80%. Only 1 bonus cashback will be paid regardless of the numbers of customers, properties or applications involved.
  • Offer current as at 18 September 2020. 
  • Offer available for Owner Occupier with Principal and Interest repayments and investment loans. 
  • Offer available on Advantage Package and Basic Home Loans. 
  • Offer may be varied or withdrawn at any time.
  • $250k min loan per property refinanced applies for the $2,000 and $2,000 bonus Refinance Cashback.
  • Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS.
  • Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts.

Advantage Package

  • Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants home loan repayments must be direct debited from this transaction account. Read the St.George transaction account terms and conditions and consider if the product is right for you. Refer to stgeorge.com.au. 

Refinance Cashback

  • The cashbacks will be paid into a St.George transaction account within 60 days of settlement.
  •  The transaction account must be linked to the home loan at the time of settlement, and kept open for 60 days after settlement.
  • Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

 

First Home Buyer Lenders Mortgage Insurance (LMI) Offer5

Offer details

  • For eligible first home buyers with a Loan to Value Ratio (LVR7) up to 85%, the LMI will be reduced to only $1.00.
  • This offer is not an LMI waiver and your clients will be charged $1.00 for LMI which will be reflected in their Loan Offer Documents.
  • The offer is available on eligible home loan applications submitted from Monday 13 July 2020 and can be withdrawn or varied at any time.
  • Clients must adhere to LMI obligations during the loan agreement. The LMI factsheet will also be issued to the customer along with the other Loan Offer Documents.
  • Clients are not required to be receiving the First Home Owner Grant to be eligible for the First Home Buyer LMI Offer.
  • First Home Buyer Flag must be selected within Apply Online and notes section to include instructions to apply First Home Buyer LMI Offer. For more information, refer to the training pack on the secure portal.
  • Available with the Basic Home Loan and the Advantage Package6 Home Loan, both Fixed and Variable rate ($395 annual package fee applies).

 

Eligibility criteria:

  • Applications must be for a first home loan for a first property (for joint applications, only one applicant must be a first home buyer).
  • Loans with an LVR7 up to 85% at the time of formal approval.
  • Owner Occupier with Principal and Interest repayments only.
  • Maximum loan size of $850,000.
  • Only one property to be financed per application.
  • Available for applications submitted from Monday 13 July 2020.

 

Loans not eligible:

  • Owner Occupier with Interest Only repayments.
  • All Residential Investment Home Loans.
  • Portfolio Loans.
  • Construction Loans.
  • Offer not available in conjunction with the Family Pledge option.   
  • Residential lending originated under family or company trusts.
  • Switches and internal refinances of home loans within the Westpac Group which include St. George, Bank of Melbourne, Westpac, BankSA and RAMS.

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 1.29% 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.)
2.59% p.a. 2.61%p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
2.64% p.a. 2.66% p.a.
LVR above 80%
(No change to standard rate)
2.69% p.a. 2.71% p.a.
Interest only

Special offer2 1.29% 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.)
3.94% p.a. 3.95% p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
3.99% p.a. 4.00% 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 offer3 1.40% 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.)
3.04% p.a. 3.06% p.a.
LVR above 60% up to 80%
(Includes further discount of 0.05% p.a.)
3.09% p.a. 3.11% p.a.
LVR above 80%
(No change to standard rate)
3.14% p.a. 3.16% p.a.
Interest only

Special offer4 1.49% 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.)
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.

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.

* 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.

+ Up to $4,000 Refinance Cashback offer
Credit criteria, fees and charges apply. Terms and conditions available at St.George. $2,000 Refinance Cashback per property for new refinance applications received between 1 April 2020 to 31 January 2021 and settle by 31 March 2021. Offer current as at 1 April 2020. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. One $2,000 Bonus Refinance Cashback for a new refinance application submitted online between 18 September 2020 to 31 January 2021 and settle by 31 March 2021 with a maximum LVR of 80%. Offer current as at 18 September 2020. Only 1 bonus cashback will be paid regardless of the numbers of customers, properties or applications involved. Offers available for Owner Occupier with Principal and Interest repayments and investment loans. Offers available on the Advantage Package and Basic Home Loans. Offers may be varied or withdrawn at any time. $250k  min loan per property refinanced applies for the $2,000 and $2,000 bonus Refinance Cashback. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or 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 home loan repayments must be direct debited from this transaction account. Read the St.George transaction account terms and conditions and consider if the product is right for you. Refer to stgeorge.com.au. The cashback will be paid into a St.George transaction account within 60 days of settlement. The transaction account must be linked to the home loan at the time of settlement and kept open for 60 days after settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

 

Basic Home Loan Promotional Rates:

1 Basic Home Loan with Principal & Interest repayments: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 5 June 2020. Rate includes 1.29% p.a. discount 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.

2 Basic Home Loan with Interest Only repayments: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 5 June 2020. Rate includes 0.53% p.a. discount 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.

3 Basic Residential Investment Home Loan with Principal & Interest repayments: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 5 June 2020. Rate includes 1.40% p.a. discount applied 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.

4 Basic Residential Investment Home Loan with Interest Only repayments: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 5 June 2020. Rate includes 1.49% p.a. discount applied 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.

5 First Home Buyer LMI Offer: Available for First Home Buyers who apply for their first home loan for their first property with loan to value ratio (LVR) up to 85% at time of formal approval. For joint applications, only one applicant must be a first home buyer. Owner Occupier Principal and Interest repayments only. Maximum loan size of $850k. Offer current as of 27 July 2020 and can be varied or withdrawn at any time. Only one property to be financed per application. Excludes Residential Investment Loans, Portfolio Loans, Constructions Loans, switches and refinances of home loans within the Westpac Group which includes St.George, Westpac, Bank of Melbourne, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Offer not available in conjunction with the Family Pledge option. Your clients’ application will be assessed and once approved, your client will be charged LMI of $1.00. This will be reflected within the Loan Offer Documents. LMI subject to approval and customer must adhere to LMI obligations during the loan agreement. This offer is not an LMI wavier. Lenders mortgage insurance (LMI) is issued to Westpac Banking Corporation ABN 33 007 457 141 (Westpac) by either Westpac Lenders Mortgage Insurance Limited ABN 60 074 042 934, Australian credit licence 388077 a subsidiary of Westpac, or by another LMI insurer. This information does not take into account your personal circumstances. Terms, conditions and limitations apply.

6 Advantage Package: Conditions of Use apply and are available at stgeorge.com.au. Annual package fee of $395 applies. Not available to company and trust account holders. You must either hold or be approved for a St.George transaction account in order to qualify and continue to receive the benefits of the Advantage Package. Applications must also meet our approval guidelines on individual products to qualify for relevant package discounts.

7 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.

> 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: