Manage Your Home Loan

Learn more about your loan
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Self-serve in your own time

Check out all the things you can do with in the St.George App and Internet Banking:

Redraw
Adjust recurring payments
Switch to eStatements
Check my interest rate
Switch to a fixed rate
View my fixed rate expiry options
Make a builder’s progress payment

Logon to manage your home loan with our App or Internet

Go to your dashboard

In the St.George App, select your home loan and choose from the options under the ‘services’ menu.

In Internet Banking, you can also use the search bar or select your home loan and then select Quick Links.

Choose your option

Select from the services available from your search results or internet banking quick links, and follow the steps.

Need help?

Can't find what you're looking for? Call us on 1300 304 660 or just book an appointment. We'll help you with your request.

Rate review tip #1

We love having you around. So whenever life changes, we’re on hand to review your rate and options. We can also tweak your variable home loan, with no fee to split or fix your loan.

Book appointment Book appointment

Get in touch to make any of these 4 changes

Set up or change a Direct Debit

Direct Debits help ensure you never pay fees or charges for missing repayments. Plus, if your variable rate minimum repayment changes, payments update automatically. To set up or change a Direct Debit, please complete the request form at least 10 working days before your next payment is due: Direct debit request PDF (PDF 181KB).

Link offset accounts

You can set up and link multiple offset accounts which gives you the freedom to separate your savings. Simply call 1300 304 660 8am-8pm, Mon-Sat (AEST) or book appointment.

Interest only repayments

Repaying the Principal & Interest? You could free up some short-term cash by switching to up to 5 years on Interest Only repayments (up to 10 years for investors). Bear in mind, this option means paying more interest in the long-term. Call 1300 304 660 8am-8pm, Mon-Sat (AEST) or book appointment.

Applying repayments reduction

If you’ve had your loan more than a year, you may be eligible to reduce your repayments for up to 12 months. Bear in mind, this option means paying more interest in the long-term. Call 1300 304 660 8am-8pm, Mon-Sat (AEST) or book appointment.

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Use my redraw facility online

By making extra repayments to your home loan account, whether as regular additional amounts above the minimum, or as lump sum, you'll pay off your loan faster and build up funds that could come in handy in case anything unexpected happens.

With a variable rate home loan, you can make unlimited extra repayments.
With a fixed rate loan, you have a total repayment limit of $30k during your fixed term (there may be break costs¹ if exceeded)
If you’re ahead on repayments and have already registered for redraw², you’ll have ‘Available’ funds in your home loan which you can tap into when you need it.

Set up or change recurring repayments online (non-Direct Debit)

Scheduled repayments can be made as a transfer or a payment, and are a great way to make extra repayments. You can:

Pay only the minimum amount, or
Pay more, so over time, you could pay your loan off sooner
Change the frequency to monthly, fortnightly, or weekly (unavailable on Interest Only)
Suspend or delete it, as long as you don’t miss a minimum repayment.

Here’s how to schedule from a St.George account:

Select payment type (Accounts, Payees, PayID or Billers)
Type the Amount and select the checkbox Set as a scheduled or recurring payment
Select the dates and frequency, and follow the prompts

Bear in mind

Direct Debit is the best way to make variable loan minimum repayments, because the amount will automatically update if your rate changes.

How to schedule a repayment

Sell, change loan security, or move banks

Check my rate, balance and repayments online

Get tips on paying off my home loan faster

Here’s what you could do:

Repay more than the minimum
Repay more frequently
Reduce your interest by using offset accounts to help decrease your Standard Variable Rate loan balance and save on interest.

To ensure you’re on the most suitable rate, or to package your loan for a rate discount ($395 annual package fee# applies), simply book an appointment.

Article: how to pay off your home loan faster

Switch to eStatements

Switch to a fixed rate online

Fix your entire loan online in 3 steps

If you already have a variable rate home loan with us, you can fix it in 3 steps, through our Mobile App or Internet Banking.

Considerations before fixing:

You'll need to think about what you want to do with any offset or any funds ‘available’ for redraw (as funds in your fixed loan can’t be accessed until after your fixed term ends).
You can't set up or link offset accounts to reduce your fixed interest.
You can only make up to $30,000 in extra repayments without incurring a break cost.
Any changes to your fixed rate home loan during the fixed term could mean you'll need to pay a break cost.

There’s no fee to fix, here’s how:

1. App: Select your home loan, scroll down to Home loan settings and select Switch to fixed rate.

Desktop: on your dashboard, open your loan’s drop-down menu.

2. Choose to fix your entire loan.

3. Select the number of years, follow the prompts and submit.

Speak with us to split your loan

There’s no fee to split your variable home loan by fixing a portion. Call via the app, call 1300 304 660 8am-8pm, Mon-Sat (AEST) or Book appointment.

Split loan calculator.

View my fixed expiry options

See how we can help with your next move

Fund renos or buy another property

There are plenty ways you could finance your plans:

Buying your next home or investment
Portability: keeping your loan when selling and buying
Buying first with a relocation loan, then selling
Borrowing more to fund renos: home loan increase (top up)
Building a new home with a construction loan (and progress payment option)

Article: building & renovation home loan options

Take my loan with me to my next home

You could use your home loan’s portability feature (AKA ‘substitution of security’) to swap the property securing your loan from one property to another, saving you the hassle and cost of refinancing. Also applies to fixed rate loans, so there are no break costs. You could also consider increasing your loan amount before porting to cover the new property purchase.

More about how to use portability

To get started, call 1300 304 660 8am-8pm, Mon-Sat (AEST) or request a call back.

Your insights & support

My property insights

Get your free Property Report for trends and estimated property values by postcode.

Full property and suburb reports

Help me review my loan

Use our home loan selector to ensure your home loan’s still suitable. Or book an appointment.

Let's begin

Ways to lower mortgage stress

Get support and helpful guidance to assess your current circumstances, which could include reducing your minimum repayments or applying for financial hardship assistance.

Lowering mortgage stress

Monitor your home loan's progress

Explore smart ways to stay on top of your home loan.

Home loan basics

Helpful resources

Manage your loan online

Logon to Internet Banking to check, adjust or make changes to your home loan.

Call us on

1300 304 660

To talk with a St.George home loan agent.
(8am-8pm Mon-Fri and 9am-6pm Sat)

Apply online

Apply for a loan increase, a new loan, or refinance to St.George, and a dedicated lender will call you.

Important information

Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 147KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Before using Internet, Mobile or Phone Banking, please read the St.George Internet and Phone Banking Terms and Conditions and Important Information.

¹Break costs: $30,000 prepayment threshold for the entire fixed period without break costs or fees applying. For fixed rate loans taken up prior to 18 August 2019, customers can make prepayments of up to the $10,000 prepayment threshold in each 12 month period without break cost or fees applying. Prepayment break costs are explained in the Things You Should Know About Break Costs (PDF 202KB).

²Redraw facility: if you have 'available funds' (you’re ahead on your home loan repayments) and you’ve activated your redraw facility, you’re free to redraw them with no redraw fee. Up to $100k will be available to redraw from your variable loan online or over the phone each day (in-branch it’s $30k). For fixed loans you can redraw up to your prepayment threshold during your fixed term. Read our Home Loan Redraw Form (PDF 918KB) for full details.

^**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.

^#Advantage Package: Terms & Conditions (PDF 1MB) 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 & conditions, and consider if the product is right for you.

Manage my home loan online