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Manage your home loan


  • Get flexible access to your extra home loan repayments by requesting a Redraw
  • Save on Redraw fees when you make your requests over the Phone or through Internet Banking.

Home Loan Increase

  • For times when it makes good sense to request an increase to your home loan
  • Easy ways to apply, including online with Internet Banking.

Switch between fixed & variable

  • Switch between fixed and variable interest rates for your home loan
  • Choose protection from interest rate rises with a Fixed Rate Loan, or flexibility with a Standard Variable Rate Loan
  • Get the best of both worlds with our split rate home loan with Flexible Choice.

Adjust Direct Debit

If you are paying your loan by direct debit, you have the option to:

  • Reduce your repayments if you are paying more than you need to pay to the minimum amount required
  • Amend the frequency, for example, from weekly or fortnightly to monthly
  • Cancel your direct debit

You can do this by completing the Home Loan Direct Debit form. Email to:

Important information

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

Advantage Package Terms and Conditions applyA $395 annual package fee applies and is payable from an eligible St.George transaction account. 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.