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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.

Personalised rate

With our Basic Home Loan you’ll get your lowest personalised rate upfront^ so you don’t need to practice your haggling.

Property valuation

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

What if I have a question?

Need help? You can live chat with us to help you complete the application 7 days a week, (8am – 7pm Mon – Thurs and 9am – 5pm Fri – Sun).

Winner of Best Lending Innovation

Awarded at RFi Group’s Australian Lending Awards 2020 for Best Lending Innovation in recognition of our Digital Home Loan customer experience.

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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Get 4K cashback when you refinance

$4k

Cashback^ When you Refinance

For new Owner Occupier with Principal & Interest 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 Jan 2021, and settle by 31 Mar 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 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 January 2021 and settle by 31 March 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 January 2021 and settle by 31 March 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 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.

FAQs

How do these two Refinance Cashback offers work?

You may be able to get one or both of these offers.

$2,000 Refinance Cashback per property for applications received between 1 April – 31 January 2021, and settled by 31 March 2021. You can refinance any number of properties.
One-off $2,000 Bonus Cashback for Owner Occupiers and Investors applying between 18 September 2020 – 31 January 2021, and settled by 31 March 2021.

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	You’ll receive $4,000 Cashback $2k Refinance Cashback per property x1 + $2k Bonus Cashback x1 max	You’ll receive $4,000 Cashback $2k Refinance Cashback per property x1 + $2k Bonus Cashback x1 max
I’m switching 2 properties	You’ll receive $6,000 Cashback $2k Refinance Cashback per property x2 + $2k Bonus Cashback x1 max	You’ll receive $6,000 Cashback (your other property is an investment) $2k Refinance Cashback per property x2 + $2k Bonus Cashback x1 max

Home loan scenario

Total cashback for eligible Investors

Total cashback for eligible Owner-Occupiers

I’m switching 1 property

You’ll receive $4,000 Cashback

$2k Refinance Cashback per property x1
+ $2k Bonus Cashback x1 max

You’ll receive $4,000 Cashback

$2k Refinance Cashback per property x1
+ $2k Bonus Cashback x1 max

I’m switching 2 properties

You’ll receive $6,000 Cashback

$2k Refinance Cashback per property x2
+ $2k Bonus Cashback x1 max

You’ll receive $6,000 Cashback (your other property is an investment)

$2k Refinance Cashback per property x2
+ $2k Bonus Cashback x1 max

The cashbacks will be paid into a St.George transaction account within 60 days of settlement. This account must be linked to your home loan at the time of settlement, and kept open for 60 days afterwards.

For the $2,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

What does ‘refinance’ and ‘Owner Occupier’ mean?

I’m an owner-occupier: can I get $4k cashback?

I’m an Investor: can I get $4K cashback?

How do I know if I’m eligible?

For the $2,000 Cashback offer, you’ll need to meet these conditions:

It’s an Investment home loan on either interest only or principal & interest repayments, or an Owner Occupier home loan with Principal & Interest repayments
It’s either our Basic Home Loan, or a Fixed or Variable Rate home loan under our Advantage Package^*($395 annual package fee applies)
Loan size needs to be at least $250k .
You apply before 31 January 2021 and settle by 31 March 2021.

Plus, for the one-off $2,000 Bonus Cashback offer, you’ll also need to meet these conditions:

It’s an Investment home loan on either interest only or principal & interest repayments, or an Owner Occupier home loan with Principal & Interest repayments
Your loan has an LVR up to 80% at time of formal approval – in other words, you've got at least 20% of your property’s bank valuation as a deposit
You apply before 31 January 2021 and settle by 31 March 2021.

Are there any exclusions?

Yes there are some. The $2,000 Cashback offer:

Excludes Owner Occupier home loans with Interest Only repayments
Excludes Portfolio Loans and residential lending originated under family or company trusts
Excludes home loan switches and internal refinances within the Westpac Group, including St.George, Bank of Melbourne, Westpac, BankSA and RAMS

The $2,000 bonus Cashback offer also:

Excludes Owner Occupier Interest Only loans, residential lending originated under family or company trusts
Excludes loan with an LVR above 80%

How many times can I get the $2k Bonus Cashback offer?

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 330KB)

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

Advantage Package - Terms and Conditions (PDF 148KB)

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.

^{^}Haggle free home loan rate: Available on Basic Variable (Simplicity) home loans only. Interest rates are subject to change. Applicable discounts off the Basic Home Loan rate may be withdrawn or varied at any time. Basic Variable Home Loan rate discount is valid for 14 days once the application is submitted.

^*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.

^#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 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.

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