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Why apply for a St.George home loan online

Borrowing power

Find out what you could borrow to start house hunting with confidence – we’ll even show you what you could afford to spend on a property and costs involved.

Our lowest rate

We’ll give you our lowest rate upfront, personalised to your buying scenario

Property valuation

If you’ve found the perfect property (or you’re refinancing), we will complete a real-time bank valuation.

Real support at every step

Need help? You can live chat with us to help you complete the application 7 days a week (even outside of business hours)

Start your application online

Learn how much you could borrow.

Receive indicative approval in under 15 minutes.

A home loan expert will call you once you have submitted your application to talk through next steps.

A simple way to apply for a St.George home loan

Easy to use application form that’s all in one place with a clear step by step process. Fill in at your own pace, with help from our dedicated team using live chat.

Fixed Rate Home Loan

One low rate, fixed from 1-3 years.

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.

2.24% p.a. 1 year fixed rate	3.53% p.a. Comparison rate^*
2.24% p.a. 2 year fixed rate	3.45% p.a. Comparison rate^*
2.24% p.a. 3 year fixed rate	3.38% p.a. Comparison rate^*

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

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Refinance cashback offer

$2k

Cashback per property^ refinanced

For new Owner Occupier with Principal & Interest repayments and Investment loans. Available on our Advantage Package and Basic home loans. $395 annual package fee. $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 29 May 2020, and settle by 31 July 2020.

Looking to refinance?

What else do I need to know?

^$2,000 Refinance Cashback. Credit criteria, fees and charges apply. Terms and conditions available at St.George. For new refinance applications received between 1 April 2020 to 29 May 2020 and settle by 31 July 2020. Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans. Offer current as at 1 April 2020. Offer may be varied or withdrawn at any time. $250k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. 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 or 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 www.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.

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Calculators & rates

Compare our Home Loans

See at a glance how fees, features and loan purposes differ by product.

Compare our Home Loans Compare our Home Loans

Request a call back

A St.George home loan expert will call you back.

Find a lender

Find your nearest branch or mobile lender

Important information

Conditions, fees and credit criteria apply.

Based on St.George 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:

Residential Loan Agreement – General Terms and Conditions (PDF 284KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 466KB)

Loan Accounts – Charges for specific services and accounts (PDF 183KB)

Advantage Package - Terms and Conditions (PDF 2MB)

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

Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines.

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.

Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun.

^*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. 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.

^{^^}Basic Home Loan Promotional Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 28 October 2019. 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.

^#Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. 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 Bank’s 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.

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