Skip to main content Skip to main navigation Skip to accessibility page Skip to search input

Why refinance your home loan with us?

Look for a better rate
Refinancing your home loan could help you save on interest with a lower variable or fixed interest rate.
Unlock cashback
Get $4,000 for your first online application plus $2,000 cashback for each additional property refinanced. Terms, conditions, fees and exclusions apply.^
Make it easy for yourself
Our paperless application makes it simple for you to refinance online, in branch or over the phone.
Settle in less than a week
Your home loan refinance could be completed within 5 business days once we receive your documentation.

Online only offer: Refinance and get a minimum...


$4k

Cashback^ for your first application

Get one $4,000 Refinance Cashback plus $2,000 cashback per additional property refinanced when you apply online by 31 January 2020 and settle by 31 March 2020. Available on Basic Home Loans and Advantage Package loans ($395 package fee, $0 fee for Basic home loan). Excludes Owner Occupier loans with interest only repayments and refinances from within Westpac Group. Min. loan size $250k per property. 

Already have a St.George home loan with us?

You can apply to increase your home loan. Note that this is different from a home loan refinance. Apply for a home loan increase.

Frequently Asked Questions

The $4,000 online Refinance Cashback offer consists of:

  • The standard $2,000 Refinance Cashback per property for applications received between 23 September 2019 to 31 January 2020 and settled by 31 March 2020. This offer is eligible for applications submitted online, in branch, over the phone or with a broker.
  • One bonus $2,000 Cashback for home loan refinance for an application received online between 11 November 2019 and 31 January 2020 and settled by 31 March 2020. This means you get a minimum of $4,000 Cashback when you refinance your home loan online.

 

Examples of how this Cashback Offer works: 

Scenario  Eligible Cashbacks
I am refinancing 1 property online

You will receive a total $4,000 Cashback which consists of: 

  • 1 x standard $2,000 Refinance Cashback per property
  • 1 x bonus $2,000 Online Cashback 
I am refinancing 2 properties online

You will receive a total $6,000 Cashback which consists of:

  • 2 x standard $2,000 Refinance Cashback per property
  • 1 x bonus $2,000 Online Cashback
I am refinancing 3 properties online

You will receive a total $8,000 Cashback which consists of:

  • 3 x standard $2,000 Refinance Cashback per property
  • 1 x bonus $2,000 Online Cashback

 

 

Start your refinance now

Complete our simple application online.
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.

Why refinance

Learn about the reasons why you might want to find another home loan.

The costs

Find out what you’ll likely need to spend in addition to the cost of the property.


Important information

Conditions, fees and credit criteria apply. Before making a decision, it’s best to read the terms and conditions:

Residential Loan Agreement - General Terms and Conditions (PDF 224KB)

Loan Accounts - Charges for specific services and accounts (PDF 183KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 466KB)

St.George Advantage Package - Terms and Conditions (PDF 178KB)

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.

  1. Advantage Package Terms and Conditions apply. A $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.
  2. Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. 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.

Basic Home Loan Promotional Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 22 July 2019. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the Bank’s 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.