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With a range of features, options and terms, our home loans have been created with your customers in mind.

A simple all-in-one solution that means your customer could save when they package their home loan, credit card and transaction account with a single annual package fee.

With the Advantage Package, you can offer customers an all-in-one home loan solution. The Advantage Package lets your customers choose from a range of home loans, transaction accounts and credit cards that are right for them, then package it all with a single annual package fee of $395. With a range of discounts on products such as home loan protection and insurance, the Advantage Package is a popular choice

The Advantage Package is suitable for first home buyers, investors and for customers who are refinancing.

Our most popular variable interest rate loan with flexible repayment options.

The Basic Home Loan offers customers a no-frills home loan with a lower variable interest rate1 and flexible repayment options. With benefits like access to a redraw facility and the ability to make unlimited additional repayments, our Basic Home Loan could be suitable for first home buyers or anyone looking for a simple, no-frills product.

A flexible loan for purchasing property or for building with a full interest offset transaction facility available and flexible repayment options.

The Standard Variable Rate Home Loan is a traditional fully featured variable rate product which can be included as part of the Advantage Package. The Standard Variable Rate Home Loan has a full interest offset facility to help reduce interest payable, and also allows customers the flexibility of accessing their extra repayments through redraw. Additional repayments can be made at any time with no fee or penalty to help them reduce their loan size and minimise interest paid on the loan.

Interest rates are subject to change (and margins may apply).

Terms of 1 to 5 years available with ‘rate lock’ option.

A Fixed Rate Home Loan is ideal for customers who like the certainty of regular repayments and want to know where they stand with their budget. Customers can choose to fix the loan for a period of 1 to 5 years, in line with their objectives. At the end of the fixed rate period, customers can let the loan revert to the applicable standard variable interest rate for the remainder of the loan term or they can re-fix the loan for a new period.

The ‘rate lock’2 feature lets your customers secure an advertised Fixed Interest Rate for up to 90 days before their new Fixed Rate Home Loan settles or the interest rate period on their current St.George home loan ends.

This way, for a fee, your customer is protected from the possibility of rising interest rates. If the advertised rate for the chosen fixed rate period falls below the 'locked rate' on the settlement date, your customer will be given the lower of the current advertised fixed rate and their 'locked rate'.

At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate.

A loan for self-employed people and small business owners.

The Low Doc Home Loan is a fully featured home loan that meets the needs of self-employed customers or business owners who may have irregular cash flows or who don’t have the required proof of PAYG income to apply for a standard home loan. By applying using simple documentation like the last 12 months of Business Activity Statements (BAS), your customers can then choose a Fixed Rate for 1, 3 or 5 years, Standard Variable Rate or a combination of both to suit their needs. Customers can also access additional discounts through the Professional Benefits Package. LMI is applicable on all loans with LVRs above 60%.

Our Portfolio Loan is designed for your clients who are looking to use their equity to make investments, such as to purchase an investment property or invest in a share portfolio.

The Portfolio Loan is an ongoing, flexible line of credit, allowing your customers to borrow up to 90% of the value of the secured property3 to make other investments and build assets. The approved Portfolio Loan Credit Limit can be split into up to 10 sub accounts4 as specified by your customer. At the end of each month, together with an overall portfolio summary, customers receive separate statements for each sub-account.

Intermediate finance and beyond for customers who are relocating.

The Relocation Loan is for customers looking to buy a property before selling their current property. It is only available with a standard variable interest rate and it may be a more affordable alternative to traditional ‘bridging finance’. Relocation loans with an end loan are suited to customers who will still have a mortgage on their new property after they sell their existing property. This loan allows customers to start making repayments on the remaining end loan only after the existing property is sold and the proceeds have been used to pay down the original loan.

An alternative to traditional bridging finance.

The Relocation with No End Loan is for customers who’d like to purchase another property before they sell their existing property. It is only available with a standard variable interest rate and it may be an alternative to traditional ‘bridging finance’. Relocation loans with no end loan are suited to customers who want to repay the loan in full once they sell their existing property. This loan benefits customer’s by letting the interest accumulate, only repayable, together with the principal, when the property is sold or at the end of the loan term.

Important information

1. As compared to our standard variable rate.

2. Rate lock requests are subject to our approval. Fees apply.

3. Property value as determined by St George Bank. Generally, Lender’s Mortgage Insurance is required on loans above 80% of the value of the property offered as security.

4. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account.  Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.

There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.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.

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