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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.

Flaming heck! Get a lit fixed rate

One low rate, fixed from 1-5 years.

For New Owner Occupier (Principal & Interest), Advantage Package Home Loans. LVR⁺ above 60% up to 80%. $395 annual package fee.

2.99% p.a. 1 year fixed rate	3.95% p.a. Comparison rate^*
2.99% p.a. 2 year fixed rate	3.90% p.a. Comparison rate^*
2.99% p.a. 3 year fixed rate	3.86% p.a. Comparison rate^*
2.99% p.a. 4 year fixed rate	3.81% p.a. Comparison rate^*
2.99% p.a. 5 year fixed rate	3.77% p.a. Comparison rate^*

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

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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.

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)

Special offer

$2k

Cashback^ When you refinance

For new Owner Occupier (Principal & Interest) or Investment home loans with the Advantage Package. $395 annual package fee and $250k min loan per property applies. Excludes refinances from within Westpac Group. Applications received by 30 September 2019, with loan settled by 30 November 2019.

What else do I need to know?

^$2,000 Refinance Cashback
For new home loan refinance applications received from 1 April 2019 to 30 September 2019, with loan settled by 30 November 2019 and taken as part of the Advantage Package. Offer current as at 1 July 2019. $250k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. 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 must have a St.George transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a St.George transaction account, read the terms and conditions and consider if the product is right for you. 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

Enquire online

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 224KB)

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 178KB)

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.

⁺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.