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Why apply for a St.George home loan online

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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.
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Personalised rate
With our Basic Home Loan you’ll get your lowest personalised rate upfront^ so you don’t need to practice your haggling.
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Property valuation
If you’ve found the perfect property (or you’re refinancing), we will complete a real-time bank valuation.
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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.

$3k cashback for switching to us


$2k

Cashback^
Per property
refinanced


For new Owner Occupier with Principal & Interest repayments and Investment loans. Available on our Basic and Advantage Package home loans, with a $395 annual package fee. $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 30 Sep 2020, and settle by 30 Nov 2020. Only 1x $2k cashback per property refinance will be paid regardless of the number of loans involved.


Looking to refinance?

+$1k

Bonus cashback^
New Owner Occupiers
applying online


Owner Occupier? Get two bites of the cherry if you apply online, for new Owner Occupier with Principal & Interest repayments. Available on our Basic and Advantage Package home loans, with a $395 annual package fee. $250k min loan per property refinanced. LVR up to 80% at time of approval. Excludes refinances from within Westpac Group. Apply by 27 Aug 2020, and settle by 30 Sep 2020. T&Cs and exclusions apply. Only 1x $1k bonus cashback will be paid regardless of the numbers of customers, properties or applications involved ^.

 

FAQs

You may be able to get one or both of these offers, based on how you apply and whether you're living in your property (Owner Occupier).

  • $2,000 Refinance Cashback per property for applications received between 1 April – 30 Sept 20, and settled by 30 Nov 20. For applications submitted online, in branch, over the phone or with a broker. You can refinance any number of properties.
  • + one-off $1,000 Bonus Cashback for Owner Occupiers applying to switch online between 17 July – 30 Aug 20, and settled by 30 Sept 20.

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 online

You’ll receive $2,000 Cashback

  • $2k Refinance Cashback per property x1
  • Ineligible for $1k Bonus Cashback (Owner Occupier)

You’ll receive $3,000 Cashback

  • $2k Refinance Cashback per property x1
  • + $1k Bonus Cashback x1 max
I’m switching 2 properties online

You’ll receive $4,000 Cashback

  • $2k Refinance Cashback per property x2
  • Ineligible for $1k Bonus Cashback (Owner Occupier)

You’ll receive $5,000 Cashback (your other property is an investment)

  • $2k Refinance Cashback per property x2
  • + $1k 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.

Our Home Loans

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

Compare our Home Loans

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

 

Compare our Home Loans


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 405KB)

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.