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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 upfront1 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).

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

For new Owner Occupier (Principal & Interest) Advantage Package Home Loans#, $395 annual package fee applies. LVR+ above 60% up to 80%. Available for new loans as well as existing variable rate home loan customers looking to fix all or part of their loans. If you’re an existing St.George Home Loan customer, find out how to manage your home loan.

 

2.04% p.a.
1 year fixed rate
3.51% p.a.
Comparison rate*
1.94% p.a.
2 year fixed rate
3.40% p.a.
Comparison rate*
2.03% p.a.
3 year fixed rate
3.32% p.a.
Comparison rate*
2.24% p.a.
4 year fixed rate
3.31% p.a.
Comparison rate*
2.54% p.a.
5 year fixed rate
3.36% p.a.
Comparison rate*

 

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

Get 4K cashback when you refinance


$4K

Cashback^ When you Refinance


For new Owner Occupier (P&I 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 30th June 2021, and settle by 30th September 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 for the initial application regardless of the numbers of customers, properties or applications involved with a maximum LVR up to 80% at time of approval.^

Looking to refinance?

 

FAQs

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

  • $2,000 Refinance Cashback per property for applications received between 1st April 2020 - 30th June 2021 and settled by 30th September 2021. You can refinance any number of properties.
  • One-off $2,000 Bonus Cashback on initial applications for Owner Occupiers and Investors applying between 18th September 2020 – 30th June 2021, and settled by 30th September 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

The cashbacks 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 $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 223KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 884KB)

Loan Accounts – Charges for specific services and accounts (PDF 1MB)

Advantage Package - Terms and Conditions (PDF 174KB)

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.

^How does the refinance cashback offer work: Credit criteria, fees and charges apply. Terms and conditions available at St.George. $2,000 Refinance Cashback per property for new refinance applications received between 1st April 2020 to 30th June 2021 and settled by 30th September 2021. Offer available for Owner Occupier with Principal and Interest repayment and investment loans. Offer current as at 1st 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 received between 18th September 2020 to 30th June 2021 and settled by 30th September 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 18th September 2020. Only 1 bonus cashback will be paid for the initial application 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 $2,000 refinance cashback and $2,000 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 (PDF 174KB). 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 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. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

Fixed rate home loan: The Bank 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 Rate Lock 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 Rate Lock 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. 

1.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.