Home Loans: Fixed & Variable Rate Mortgages

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Get 4K cashback when you refinance

$4k

Cashback^ When you Refinance

For new Owner Occupier (P&I repayments) and Investment loans. Available on our Advantage Package home loans, with a $395 annual package fee and Basic home loans (no annual fee). $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 31 Mar 2021, and settle by 30 June 2021. Only 1x $2k cashback per property refinance will be paid regardless of the number of loans involved. Only 1x $2k bonus cashback will be paid for the initial application regardless of the numbers of customers, properties or applications involved with a maximum LVR up to 80% at time of approval.^

Looking to refinance?

Full Terms and Conditions

^{^}How does the refinance cashback offer work: Credit criteria, fees and charges apply. Terms and conditions available at St.George. $2000 Refinance Cashback per property for new refinance applications received between 1 April 2020 to 31 March 2021 and settle by 30 June 2021. Offer available for Owner Occupier with Principal and Interest repayment and investment loans. 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 between 18 September 2020 to 31 March 2021 and settle by 30 June 2021. Offer available for Owner Occupier with Principal and Interest repayments and investment loans with maximum LVR of 80%. Offer available on the Advantage Package and Basic Home Loans. Offer current as at 18 September 2020. Only 1 bonus cashback will be paid for the initial application regardless of the numbers of customers, properties or applications involved. Offer may be varied or withdrawn at any time.$250k min loan per property refinanced applies for the $2000 refinance cashback and $2000 bonus Refinance Cashback.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, 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.

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Fixed Rate Home Loan

For new Owner Occupier (Principal & Interest), Advantage Package Home Loans^*, $395 annual package fee applies. LVR⁺ above 60% up to 80%. If you’re an existing St.George Home Loan customer, find out how to manage your home loan.

2.04% p.a. 1 year fixed rate	3.51% p.a. Comparison rate¹
2.04% p.a. 2 year fixed rate	3.41% p.a. Comparison rate¹
2.04% p.a. 3 year fixed rate	3.33% p.a. Comparison rate¹
1.94% p.a. 4 year fixed rate	3.21% p.a. Comparison rate¹

^{T&C's apply. See comparison rate warning.}

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LVR and interest rates

Why is this important to you? A lower LVR usually translates to a lower interest rate for the borrower.

Find out about LVR (loan-to-value ratio) Find out about LVR (loan-to-value ratio)

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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. Interest rates subject to change

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 at a branch.

Fixed rate home loan: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest rate.

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. Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.

^{^}How does the refinance cashback offer work: Credit criteria, fees and charges apply. Terms and conditions available at St.George. $2000 Refinance Cashback per property for new refinance applications received between 1 April 2020 to 31 March 2021 and settle by 30 June 2021. Offer available for Owner Occupier with Principal and Interest repayment and investment loans. 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 between 18 September 2020 to 31 March 2021 and settle by 30 June 2021. Offer available for Owner Occupier with Principal and Interest repayments and investment loans with maximum LVR of 80%. Offer available on the Advantage Package and Basic Home Loans. Offer current as at 18 September 2020. Only 1 bonus cashback will be paid for the initial application regardless of the numbers of customers, properties or applications involved. Offer may be varied or withdrawn at any time.$250k min loan per property refinanced applies for the $2000 refinance cashback and $2000 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, residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply (PDF 162KB). 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.

¹Comparison Rate: 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 example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^*Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms and conditions and consider if the product is right for you.

⁺LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks valuation of your property offered to secure your loan expressed as a percentage. Home loan rates for new loans are set based on the initial LVR and don’t change because of changes to the LVR during the life of the loan. Any applicable LVR discount has been included in the advertised eligible rate.

^# Basic Home Loan Promotional Rate: This offer is only available for new Basic Home Loan applications received from 26/10/2020. Discount applies to our 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 varied or withdrawn at any time. Interest rates subject to change.

Personalised rate: A variable rate loan discount is valid for 14 days and a fixed rate discount is valid for 5 days. All interest rates are subject to change.

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