St.George has partnered with RESO to support you on your home buying journey. Please be aware that RESO may receive a financial benefit from the settlement of any home loan referrals.
A home loan with a lower variable interest rate1, useful for anyone who doesn’t want to pay for features they won’t use.
Pay off your loan sooner and save on interest.
And a $0 establishment fee if you borrow more than $150k2 when making Principal & Interest repayments (see fees section).
If you have made any extra repayments, you have access to redraw them. (fees apply)3.
You could use the equity in a family member’s home to help you on your home buying journey and maximise the amount you can borrow.
You may be able to pause or reduce your repayments for a set period (keep in mind after the break your repayments may be higher for the rest of your loan term).3
$3,000 Refinance Cashback per primary applicant for applications received between 1st July 2021 - 30th September 2021 and settled by 31st December 2021. Limit of one $3,000 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 $3,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.
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 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.
*Comparison Rate: The comparison rate is based on a loan of $150,000 over a term of 25 years. 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.
^^Basic Home Loan Promotional Principal and Interest Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 24/08/2021. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne, BankSA and RAMS. This offer may be varied or withdrawn at any time. Interest rates subject to change.
1. As compared to our standard variable interest rate.
2. Upfront fees and other fees and charges may apply.
3. Redraw and rate lock requests are subject to our approval. Fees apply for rate lock.
+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.
#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. Before deciding to get a St.George transaction account or credit card, read the terms and conditions so you can choose what’s right for you.