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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 cashback^ when you refinance to a new Owner Occupied (Principal & Interest) or Investment home loan under the Advantage Package. $395 annual package fee and $250k minimum loan size applies. Excludes Portfolio Loans and refinances from within Westpac Group. Applications received by 31 January 2019 and loan settled by 31 March 2019.

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

Start your application online

Learn how much you could borrow.
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.

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 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.