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Important information

Credit criteria, fees and charges 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:

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.

  1. $0 Establishment Fee: The $0 Establishment Fee will apply if the loan amount is greater than $150,000 for customers making Principal & Interest repayments only, otherwise a $500 establishment fee will be charged.

  2. Other fees and charges may apply.

  3. Advantage Package: Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms and conditions, and consider if the product is right for you.

  4. Redraw: Redraw requests are subject to bank approval. Fees may apply. For fixed rate loans, redraw is only available for loans fixed on or after 30 November 2009 and only up to a maximum of $10,000 per annum and break costs may apply.

  5. Redraw under the Portfolio Loan is available via ATM, cheque, Internet Banking, Phone Banking or in a branch. Subject to system availability.

  6. Extra Repayments and Break Costs: For fixed interest rate home loans, if you make a prepayment beyond the prepayment threshold or change to another repayment type then break costs and fees may apply. Customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break costs or fees applying.
    Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 1MB).

  7. Only monthly repayments available for interest only repayment option.

  8. Credit criteria and fees apply.

  9. On variable rate portion only.

  10. Rate Lock: 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.

  11. On fixed rate portion only.

  12. For new loans only.