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Home Loans

Featured Home Loans

Check out our home loans including low fees, discounted rates and home loans with awesome packaged deals. By applying online you find out how much you could borrow and receive indicative approval. It'll all take only 10 minutes.

You can also arrange for us to call you back so our friendly lending specialists can help find the right home loan for you.

Advantage Package

You could save money with package discounts on home loan interest rates and fees1 all for a low annual fee of $395

A package deal for your home loan, selected credit cards and transaction account

Receive indicative approval online in 10 minutes

Basic Home Loan

A basic home loan with a low variable interest rate $0 monthly establishment fee special offer for a limited time2

$0 monthly service fee

Find out your borrowing power in 10 minutes

Home Loan Increase

For when you are considering increasing your home loan

Easy ways to apply, including online through Internet Banking.

Learn More

Important information

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

Your welcome letter, which contains the loan offer and other information such as interest rates and fees. 

Please read these documents and keep a copy. You can request a paper copy at 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. If you need help, call 13 33 30.

1. Advantage Package annual fee of $395 applies, other fees may be payable. The interest rate discount and fee savings apply for the duration of the package. Contact us to see if you are eligible to receive Advantage Package benefits.

2. Special limited time discounted Basic Home Loan offer may be withdrawn at any time. This offer is only available for new Basic Home Loan applications received from 20 November 2015. Offer current as at 20 November 2015. Refer to or call us for more information on current offers available. This is a current offer which may be varied or withdrawn at any time. If you apply after this offer has been withdrawn the interest rate which will apply is the standard Basic Variable Rate without any discount. This offer does not apply to internal refinances and is not transferable between loans, and is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

Special interest rate discounts: In addition to the conditions set out above, the following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans and for the following loan amounts: Loans between $150,000 and $249,999, 0.70% p.a. discount, for loans between $250,000 and $499,999, 0.95% p.a. discount. For loans greater than $500,000, 1.00% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. If you apply outside of the offer period, standard Advantage Package discounts will apply which are available at will apply.

^^Special limited time offer which may be withdrawn at any time. This offer is only available for applications received from 11 January 2016. Offer current as at 11 January 2016. Refer to or call us for more information on current offers available. Cashback offer for refinances only. This offer is only available to home loans under the Advantage Package ($395 package fee applies). Excludes refinances of existing Westpac, St.George, BankSA and Bank of Melbourne home loans. Excludes Portfolio Loans.

The loan amount on the single home loan application for refinance must be $250,000 or more. Offer is limited to one $1500 cashback during the campaign paid per main applicant (Applicant 1) only. Multiple applications submitted by the same main applicant are not eligible for this offer. This offer is not available in conjunction with any other special offers.

Applicants must have a St.George transaction account linked to the home loan at the time of settlement. The 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. The cashback will be paid into this account during the 60 day period. There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice and customers should seek independent advice on any taxation matters.

St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).