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 23 September 2019 and 31 January 2020, and settled 31 March 2020. Offer current as at 23 September 2019. Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans. $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 Offer may be varied or withdrawn at any time.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 a St.George transaction account within 60 days of settlement. The transaction account must linked to the home loan at the time of settlement, and kept open for 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 Owner Occupier Basic Home Loan applications with Principal Interest repayments received from 22 July 2019. Rate includes 1.04% 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 Residential Investment Home Loan with Principal & Interest repayments: This offer is only available for new Residential Basic Home Loan applications with Principal and Interest Repayments received from 9 September 2019. Rate includes 1.20% 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 Interest Only repayments: This offer is only available for new Residential Investment Basic Home Loan applications received from 9 September 2019. Rate includes 1.19% 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.