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Portfolio Loan

The portfolio loan also allows you to use the equity in your home to make other investments and build assets.

A St.George home loan expert will contact you at your preferred time.

Flexible loan to build wealth

A flexible line of credit, where you could borrow up to 90% of the value of your secured property1 to purchase your home and make other investments.

Package and save!

You could get discounted interest rates and fees with St.George Advantage Package - a package deal for your home loan, credit card and transaction account5

10 sub-accounts

Open up to 10 sub-accounts2 for your investment or lifestyle needs (e.g. 1 for an investment property, 1 for shares, etc). Use different ownership structures to help you manage tax and finances. Each sub-account issues separate monthly statements.

Choice of fixed or variable interest rates

Your primary sub-account is always at the Portfolio Loan variable interest rate, with your choice of a fixed or variable interest rate for all other sub-accounts.

Loan term & repayments

  • Portfolio Loan is an ongoing line of credit, with no set repayment term and flexible repayments
  • Choose to pay as often as you like, but at least monthly
  • Interest applies only to the outstanding balance.

Property, vacant land and building

  • Available for property or vacant land purchase
  • The variable rate portion of a Portfolio Loan can be used for building.

Great features!

Features include 24/7 access to your funds via ATMs, EFTPOS, Internet, Mobile and Phone Banking3, rate lock, Visa Debit card and more!

For your business



Save when you package your home loan, selected credit card and transaction account with Advantage Package, an annual package fee of $395 applies

Establishment fee

Additional sub-account fee

$100 per additional sub-account.

Your choice of a monthly account administration fee or an annual fee

Monthly fee


Annual fee

  • $200 per annum for all sub-accounts

Other fees and charges apply. See a complete list of fees for loan accounts.

Interest Rates

Portfolio Loan Variable Rate

Annual Rate

% p.a.

Portfolio Loan Fixed Rate sub-accounts

Annual rate Advantage Package* Discount Fixed Rate with Advantage Package*
1 year fixed

4.79% p.a.

4.64% p.a.
2 year fixed 4.04% p.a. 0.15% 3.89% p.a.
3 year fixed 4.14% p.a. 0.15% 3.99% p.a.
4 year fixed

4.99% p.a.

0.15% 4.84% p.a.
5 year fixed 4.24% p.a. 0.15% 4.09% p.a.

All the features you need


  • Frequency
    • Choose to pay as often as you like, but at least monthly
    • Interest applies only to the outstanding balance.
  • Additional payments

Package and save!

24/7 access to funds

Use up to 10 sub-accounts to build your wealth

  • Open up to 10 sub-accounts to suit your investment and lifestyle needs
  • Your primary sub-account must be on a variable interest rate and all other sub-accounts may be on a fixed or variable interest rate
  • All sub-accounts can be used for purchasing a home, an investment property or investing in shares
  • Sub-accounts may have different ownership structures to help you manage your tax and finances, but a sub-account holder must be one or more of the Low Doc Portfolio Loan borrowers and any remaining borrowers must be guarantors to that sub-account
  • Calculate how a Portfolio Loan can help you build your wealth.

Easy reporting

Separate monthly statements for each sub-account to make managing investments easy.

Increase your loan amount

Call us on 13 33 30 or visit any St.George branch

Choice of fixed or variable interest rates

  • Your primary sub-account is always at the variable interest rate
  • Choose a fixed or variable interest rate for all other sub-accounts. Fixed rates are for 1, 2, 3, 4 or 5 years.

Lock in a fixed rate

Rate lock lets you secure an advertised Fixed Rate on fixed rate sub-accounts for up to 90 days before your Portfolio Loan settles or the interest rate period on your current St.George home loan ends.6

Visa Debit Card

Link a Visa Debit card to your Portfolio Loan and shop securely wherever your Visa Debit card is accepted using money from your Portfolio Loan.7

Portfolio Loan and your business

Deposit Protect Bond

  • Use a Deposit Protect Bond instead of paying a cash deposit immediately, and keep earning interest on your deposit money right up until settlement
  • Also ideal when using equity in an existing property to finance your purchase.

Apply online

Apply now. It takes just 15 minutes!

Enquire online

Enquire now and a St.George 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 to apply


How to apply

Important information

Conditions, fees and credit criteria apply.

Before making a decision, it’s best to read the terms and conditions:

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

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 33 30.

1. Property value as determined by St.George. Generally, Lender’s Mortgage Insurance is required on loans above 80% of the value of the property offered as security.

2. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.

3. Subject to systems availability.

4. Other upfront fees and costs may apply.

5. Advantage Package annual fee of $395 applies, other fees may be payable.  The fee savings apply for the duration of the package. Contact St.George to see if you are eligible to receive Advantage Package benefits.

6. Rate lock requests are subject to our approval. Fees apply.

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.

St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.