Apply for a home loan

Application online
How it works
Special offers
Products & tools

Apply online Apply online

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.

Basic home loan. Sensational rate.

2.99% p.a. Variable rate
3.01% p.a. Comparison rate^*

Including 1.19% p.a. discount off our Basic Home Loan Variable Rate with no package fee. For new Owner Occupier (Principal & Interest^{^^}). LVR⁺ above 60% up to 80%.

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

Get started Get started Learn more Learn more

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)

Online only offer: Refinance and get a minimum...

$4k

Cashback^ for your first application

Get one $4,000 Refinance Cashback plus $2,000 cashback per additional property refinanced when you apply online by 31 January 2020 and settle by 31 March 2020. Available on Basic Home Loans and Advantage Package loans ($395 package fee, $0 fee for Basic home loan). Excludes Owner Occupier loans with interest only repayments and refinances from within Westpac Group. Min. loan size $250k per property.

Looking to refinance?

What else do I need to know?

^{^}$4,000 Online Refinance Cashback if you apply online plus $2,000 cashback for each additional property you refinance. The $4,000 Online Refinance Cashback consists of: $2,000 Refinance Cashback per property for new refinance applications received between 23 September 2019 to 31 January 2020 and settled by 31 March 2020. Plus one $2,000 Bonus Refinance Cashback for a new refinance application submitted online and received between 11 November 2019 to 31 January 2020 and settled by 31 March 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 11 November 2019. 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. Only 1 bonus cashback will be paid regardless of the numbers of customers, properties or applications involved. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which includes 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 ($0 fee for Basic home loan) and is payable from an eligible St.George transaction account. Applicant’s 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. 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

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.

^{^^}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.

⁺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.