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Advantage Package

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

Special offers

Receive $1,500 cash back* when you refinance to an Advantage Package Home Loan.

For Owner Occupied Principal & Interest or Investment home loans with a minimum loan size of $250k. Not for refinances from Westpac, St.George, BankSA, Bank of Melbourne and RAMS, or refinances that require foreign income for serviceability. Excludes Portfolio Loans. Annual package fee of $395 applies.

Plus, for a limited time, save % p.a. off our standard variable rate with the Advantage Package for loans of $750,000 or more3


Features

  • Flexible repayment options
  • Choose the home loan, credit card and transaction account most suitable for you - then package and save!
  • Get great home loan interest rate discounts and save on fees
  • Perfect for 1st home buyersinvestors and refinancing.

A lending expert will contact you at your preferred time

All-in-one package

Combine a home loan, credit card, and transaction account to create your all-in-one package.

Discount on interest rates3

Save up to 0.90% p.a. off our standard variable rate home loan with Advantage Package for loans of $750,000 of more3

Other product benefits

  • $0 home loan establishment fee
  • $0 monthly home loan administration fee
  • $0 annual credit card fee
  • $0 monthly transaction account-keeping fee

Convenient

Your 3 most important accounts in one spot.

Compare

Fees

Annual fee

$395 for Advantage Package. This single fee covers up to 5 home or investment loans1.

Other product benefits

  • $0 home loan establishment fee
  • $0 monthly home loan administration fee 
  • $0 annual credit card fee2
  • $0 monthly transaction account-keeping fee
  • $0 monthly full offset service fee
  • Free redraw via Phone and Internet banking

Limited Time Special Variable Rate and Portfolio Variable Home Loan Advantage Package discounts3

Total borrowing amount

Limited time Special Discount3

$150,000 - $249,999

0.60% p.a.

$250,000 - $499,999

0.80% p.a.

$500,000 - $749,999       

0.85% p.a.

$750,000+                       

0.90% p.a.

Standard Variable Rate and Portfolio Variable Home Loan Advantage Package discounts3

Total borrowing amount

Standard Discount3

$0 - $99,999

0.00% p.a.

$100,000 - $149,000

0.25% p.a.

$150,000 - $249,999

0.50% p.a.

$250,000

0.70% p.a.

Home Loans

Total borrowing amount

Advantage Package Discount3

  • Fixed Rate Home loan
  • Portfolio Loan (fixed rate)

$150,000+

0.15% p.a.

Credit Cards

Purchase rate4

Cash advance rate5

13.24% p.a.

21.49% p.a.

12.74% p.a.

21.49% p.a.

19.49% p.a.

20.24% p.a.

19.49% p.a.

20.24% p.a.

19.49% p.a.

20.24% p.a.

Create your own Advantage Package in 4 easy steps

1 Choose a Home Loan

2 Choose a Credit Card

  • Variable Rate: features unlimited additional repayments, unlimited redraw (up to the amount of additional repayments) and full interest offset.
  • Flexibility line of credit: Flexibility of revolving line of credit allows for access to loan funds through cheque or debit card. Your approved limit can be drawn upon whenever required.
  • Fixed Rate: certainty on the repayments during the fixed rate period.

Learn more about all home loan features

3. Choose a Transaction Account

4. Apply

Apply6 and save on interest rates and fees!

Get a special interest rate discount - plus save on fees!

With Advantage Package you get a special discounted home loan interest rate, with extra savings on your credit card, home loan and transaction account.

Save on fees

  • $0 home loan establishment fee
  • $0 monthly loan administration fee
  • $0 annual credit card fee2
  • $0 monthly transaction account-keeping fee
  • $0 monthly full offset service fee
  • 5%^ discount on Home and/or Contents Insurance premium8
  • Free redraw via Phone and Internet banking.

Case Study: what you could save with standard interest rate discount

If you created an Advantage Package with:

  • $300,000 Standard Variable home loan
  • Full interest offset facility
  • Vertigo Platinum credit card
  • Complete Freedom account

Year 1

Year 2

Year 3

Loan establishment fee

$600

0.70%p.a. interest rate discount (standard interest rate discount)2

$2100

$2100

$2100

Loan monthly administration fee

$120

$120

$120

Full offset service fee

$60

$60

$60

Complete Freedom account service fee

$60

$60

$60

Vertigo Platinum Card annual fee

$99

$99

$99

Home and content discount7

$40

$40

$40

Subtotal of savings

$3079

$2479

$2479

Advantage Package fee

$395

$395

$395

Total approximate savings per year7

$2684

$2084

$2084

Apply online

Apply now. It takes just 10 minutes!

Enquire online

Enquire now and a home loan expert will call at your preferred time.

Call us

13 33 30

To talk with a St.George home loan expert, say “New Mortgage” when prompted.

Visit a branch

Find your nearest branch

What you'll need

Tips

How to apply

Important information

Conditions, fees and credit criteria apply.

View the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

Conditions and fees apply. St.George Bank, a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 issues the products on this website. The general information on our website is prepared without knowing your personal financial circumstances. Before you act on this general information, please consider if it's right for you.

*Based on St.George’s credit criteria, residential lending is not available for Non-Australian Resident borrowers. New home loan applications received From 1 August 2016 to 31 May 2017 and settled by 31 July 2017 for refinance purposes where foreign income is not required for serviceability. Offer current as at 1 August 2016 and may be withdrawn at any time. Excludes refinances from Westpac, St.George, BankSA, Bank of Melbourne and RAMS and refinances into Owner-Occupied Interest Only loans and Portfolio Loans. Only one cash back paid per main applicant. Multiple applications submitted by the same main applicant are not eligible. Not available in conjunction with any other special offers. Applicants must have a St.George transaction account linked to the home loan at the time of settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The account must be kept open for at least 60 days after settlement and the cashback will be paid into this account during this period. There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice and customers should seek independent advice on any taxation matters.

Special interest rate discounts: In addition to the conditions set out above, the following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans and for the following loan amounts: Loans between $150,000 and $249,999, % p.a. discount, for loans between $250,000 and $499,999, % p.a. discount, for $500,000 and $749,999,  % p.a. discount. For loans greater than $750,000, % p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of % p.a. discount and do not apply to internal refinances and are not transferrable between loans. If you apply outside of the offer period, standard Advantage Package discounts will apply which are available at http://www.stgeorge.com.au/personal/home-loans/our-home-loans/popular/advantage-package. There may be tax consequences arising from this promotion for our business customers and rental property investors. This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.

1. The Advantage Package will support up to 10 Portfolio sub-accounts in a Package and up to 5 sequence loans (e.g. loans with Flexible Choice). Note when Lenders Mortgage Insurance (LMI) applies, only single sequence loan or Portfolio Loans can be Packaged.
2. All applications for credit are subject to the Bank's prevailing credit criteria. Fees and charges are payable and terms and conditions apply. Full details of all relevant terms and conditions are available on request.
3. This is a promotional offer available on applications received under the Advantage Package. Offer current as of 19 September 2016. Offer is not available for loan refinances of existing St.George, BankSA, and Bank of Melbourne home loans. Advantage Package Conditions of Use apply and are available upon request. Advantage Package annual fee, currently $395, is payable from an eligible St.George transaction account.

4. Credit card purchase rate is subject to change and excludes cash advances

5. Credit card cash advance rate is subject to change. Interest on cash advances is calculated from the date the transaction is made.

6. All applications for credit are subject to the Bank's credit criteria. Fees and charges are payable and Terms and Conditions apply. Call us on 13 33 30 for a copy of the Terms and Conditions for any product.

7. The case study is an example only and loan repayments are on principal and interest rates. The figure quoted is an approximation. If you are on Principal and Interest payments, as your Principal reduces, so do your savings. The Home and Contents discount is based on a $800 premium for Home and Contents Insurance cover.

8. Home and Contents Insurance and Landlord Insurance are issued by Westpac General Insurance Limited ABN 99 003 719 319 (except workers compensation cover where applicable). St.George Bank – a Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) arranges the insurance, but does not guarantee the insurance. WGIL is a subsidiary of the Bank. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 13 33 30 or visit stgeorge.com.au.

^If you are eligible for the Home and Contents combined discount, we will apply the Advantage Package discount to any already discounted premium

10. The interest rate discounts are only available in Advantage Package for Fixed Rate Loans $150,000 or greater. Advantage Package annual fee, currently $395, is payable from an eligible St.George transactional account.

11. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 33 30 or download the Credit Card Complimentary Insurance Terms and Conditions.

St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12).