Apply For A Home Loan

Seamless from start to settlement

Apply online
Retrieve application

Online and simple

Start online now
Applying for a new home loan, conditional approval or a refinance to us? It should only take around 20 minutes to apply. 
Know what you could borrow
We’ll estimate your costs, as well as how much you could afford or borrow. 
A real person
You’ll be assigned a home loan expert to move things forward and answer any niggling questions. 
Track how you’re going
See how your application’s progressing. Get notifications and know what’s around the corner. 

Applying is simple,
start now

1. Apply online

Tell us about yourself and see how much you could borrow (there’s no credit check until you’ve spoken with a lending manager).
 

2. We’ll call you

A lending manager will call to answer all your questions and help move your application along.
 

3. Conditional approval (optional)

We may be able to provide you conditional approval to help you confidently bid or make an offer knowing how much you could afford. Conditional approval is valid for 90 days, and if you need more time we can look to renew it.
 

4. Full approval

We’ll value your property and make some final checks. If we offer you full loan approval, accept it online and be guided through to loan settlement.
 

Apply online

 

Fixed Rate Home Loan

For new Owner Occupier (Principal & Interest) packaged# 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.

 

2.24% p.a.
1 year fixed rate		 3.53% p.a.
Comparison rate*
2.29% p.a.
2 year fixed rate		 3.46% p.a.
Comparison rate*
2.74% p.a.
3 year fixed rate		 3.50% p.a.
Comparison rate*
2.94% p.a.
4 year fixed rate
 3.53% p.a.
Comparison rate*
3.14% p.a.
5 year fixed rate		 3.59% p.a.
Comparison rate*

 

T&C's apply. See comparison rate warning.

Find out more

Get 3K cashback when you refinance

$3K

Cashback^ When you Refinance


Apply by 30th November 2021, and settle by 28th February 2022. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR less than 90%.  Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $3K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

Looking to refinance?

 

FAQs

$3,000 Refinance Cashback per primary applicant for applications received between 1st July 2021 - 30th November 2021 and settled by 28th February 2022. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.

The cashback will be paid into a St.George transaction account within 60 days of settlement. The transaction account must be in the same name as the home loan account and linked to the home loan at the time of settlement. This account must be kept open for 60 days after settlement.

For the $3,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

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

Request a call back

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

Call us on

13 33 30

To talk with a St.George home loan expert, say "New home loan" when prompted.

Find a lender

Find your nearest branch or mobile lender

Find a 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 337KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 1MB)

Loan Accounts – Charges for specific services and accounts (PDF 64KB)

Advantage Package - Terms and Conditions (PDF 137KB)

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.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 1st July 2021 to 30th November 2021 and settle by 28th February 2022 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR must be less than 90% (LMI may apply). Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $3,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, Portfolio Loans, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 
Rate Lock: St.George will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Rate Lock feature. The fixed rate - lock-in fee is 0.15% of the loan amount or $500, whichever is higher, capped at $1000 for loans up to $2 mil. For loans above $2mil, the fixed rate - lock-in fee is 0.15% of the loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable interest rate.

*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.