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Find out how much you could save by switching to a St.George home loan

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.

The process

Find out what you’ll need to do to apply for a loan.

Special offer


$2,000

Refinance Cash back^

Receive $2,000 cash back^ when you refinance to a new Owner Occupied, Principal & Interest or Investment home loan under the Advantage Package. $395 annual package fee and a $250k minimum loan size applies. Excludes Portfolio Loans and refinances from within Westpac Group. Applications received from 8 October 2018 and settled by 31 December 2018.

Owner occupier loans

  • 3.75% p.a 2 year Fixed Rate
    with Advantage Package.1
    Principal & Interest repayments.
  • 5.05% p.a Comparison rate2

Investment loans

  • 3.99% p.a 2 year Fixed Rate
    with Advantage Package.1
    Principal & Interest repayments.
  • 5.53% p.a

    Comparison rate2

Fees

  • $600 Establishment Fee3
  • $10 Monthly administration fee
  • OR
  • $0 with Advantage Package1

A simple way to apply for a St.George home loan

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Borrowing power
Find out your buying power so you could 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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Our lowest rate
We’ll give you our lowest rate upfront, personalised to your buying scenario.
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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 to give you the confidence we will lend against the property.
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Real support
Need help? You can live chat with us to help you complete the application 7 days a week (even outside of business hours).

Talk to us

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 6MB)

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

Portfolio Loan Agreement - General Terms and Conditions (PDF 874KB)

St.George Advantage Package - Terms and Conditions (PDF 169KB)

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. The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the example(s) given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  3. Other upfront fees and costs may apply.

Credit criteria, fees and charges apply. 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: variable interest rates are subject to change, the rate discount is valid for 14 days. For fixed rates, discounts are valid for 5 days. 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. St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.