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Why choose our Advantage Package?

Save when you package a home loan, credit card and transaction account

Discount on interest rates
Save 1.32% p.a. off your Standard Variable Rate Home Loan on our Advantage Package² for loans above $100,000
All-in-one package
Combine your home loan, credit card and everyday account into one package, for a $395 annual package fee.

You also get...

$0 Lending establishment fee

$0 Monthly loan account fee

$0 Annual credit card fee

New Owner Occupier Loans

  • 4.29% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
    LVR+ above 60% up to 80%
  • 4.00% p.a Comparison rate*

New Residential Investment Loans

  • 4.49% p.a 2 year Fixed Rate
    with Advantage Package.2
    Principal & Interest repayments.
    LVR+ above 60% up to 80%
  • 4.49% p.a Comparison rate*

Annual package fees

  • $395 This single fee covers up to 5 home or investment loans1.

Calculators

Got insurance?

Home and Contents Insurance helps you get back on your feet if your home or personal belongings are affected in an unforeseen event. 

Get 4K cashback when you refinance


$4K

Cashback^ When you Refinance


Apply by 31st May 2022, and settle by 31st August 2022. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

 

FAQs

$4,000 Refinance Cashback per primary applicant for applications received between 8th December 2021 - 31st May 2022 and settled by 31st August 2022. Limit of one $4,000  cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant.

The cashback will be paid into a St.George transaction account within 60 days of settlement. The transaction account must be in the same name as the home loan account and linked to the home loan at the time of settlement. This account must be kept open for 60 days after settlement.

For the $4,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

How it works

You don’t have to know each product you want before you apply online. Our home loan experts can help you find the right mix for you.
1.
 Choose a Home Loan
2.
Choose a Credit Card
3.
Choose a Bank Account
4.
Apply online

The Detail

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.
Loan Accounts
Charges for specific services and accounts.
Advantage package
Terms and Conditions.

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

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 345KB)

Loan Accounts - Charges for specific services and accounts (PDF 70KB)

St.George Advantage Package - Terms and Conditions (PDF 144KB)

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.The Advantage Package will support up to 5 loan accounts (e.g. any combination of fixed rate and standard variable rate loans).

2.Advantage Package Terms & Conditions (PDF 144KB) apply. A $395 annual package fee applies and is payable from a St.George Complete Freedom transaction account. Before deciding to open a St.George Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you. 

*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years.After the fixed rate period expires the interest rate will revert to the applicable Standard Variable rate based on loan category and repayment type. 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.

+LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of your loan compared to the banks 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. Any applicable LVR discount has been included in the advertised eligible rate.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 8th December 2021 to 31st May 2022 and settle by 31st August 2022 for refinance applications. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $4,000 cashback payment regardless of the number of applications, applicants, properties or loans involved per 12 month period. For joint applications, only one cashback payment will be paid to the primary applicant. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

Home and Contents Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 33 30.

A target market determination has been made for this product. Please visit https://www.stgeorge.com.au/tmd for the target market determination.