You may be able to get one or both of these offers, based on how you apply and whether you're living in your property (Owner Occupier).
Example of how the two Cashback offers works:
|Home loan scenario||Total cashback for eligible Investors||Total cashback for eligible Owner-Occupiers|
|I’m switching 1 property online||
You’ll receive $2,000 Cashback
You’ll receive $3,000 Cashback
|I’m switching 2 properties online||
You’ll receive $4,000 Cashback
You’ll receive $5,000 Cashback (your other property is an investment)
The cashbacks will be paid into a St.George
In recognition of our Home Loan customer experience, RFi Group’s Australian Lending Awards.
Offering outstanding value home loans to first home buyers.
Need to make changes to your existing home loan?
For New Owner Occupier (Principal & Interest), Advantage Package Home Loans*, $395 annual package fee applies. LVR+ above 60% up to 80%. These rates do not apply to existing fixed rate loans.
1 year fixed rate
2 year fixed rate
3 year fixed rate
T&C's apply. See comparison rate warning.
Enter details of your income and expenses to get an estimate of how much you could borrow and what your repayments might be for your investment property.
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 Interest Rates: 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 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.
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.
2For sale products only
3The output or result of these calculators:
a. is subject to the assumptions which are subject to change;
b. is prepared without knowing your personal financial circumstances. Before you act on the output of the calculators, please consider if it’s right for you. If you need more information, please call 13 33 30. We recommend that you consult your financial adviser before taking out a loan;
c. does not represent either a quote or pre-qualification for a loan;
d. may not be taken into account if you apply for a loan with us as we will make our own calculations. When assessing ability to service a loan, St.George may use an interest rate that is higher than the current interest rate for the loan requested.
4The interest rates used in the calculator:
a. are current, as indicated on our home loan interest rate pages
b. are St.George's standard interest rates and include any package or promotional discounts; and
c. are subject to change.
d. LVR above 60% up to 80%
*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 5 June 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.