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Why refinance your home loan with us?

Look for a better rate
Refinancing your home loan could help you save on interest with a lower variable or fixed interest rate.
Unlock cashback
Eligible customers could get $2,000 for each property you refinance plus a bonus one off $2,000. Terms, conditions, fees and exclusions apply.^
Make it easy for yourself
Our paperless application makes it simple for you to refinance online, in branch or over the phone.
Settle in less than a week
Your home loan refinance could be completed within 5 business days once we receive your documentation.

Get 4K cashback when you refinance


Cashback^ When you Refinance

For new Owner Occupier with Principal & Interest repayments and Investment loans. Available on our Advantage Package home loans, with a $395 annual package fee and Basic home loans (no annual fee). $250k min loan per property refinanced. Excludes refinances from within Westpac Group. Apply by 31 Jan 2021, and settle by 31 Mar 2021.  Only 1x $2k cashback per property refinance will be paid regardless of the number of loans involved. Only 1x $2k bonus cashback will be paid regardless of the numbers of customers, properties or applications involved with a maximum LVR up to 80% at time of approval.^

Looking to refinance?



You may be able to get one or both of these offers.

  • $2,000 Refinance Cashback per property for applications received between 1 April – 31 January 2021, and settled by 31 March 2021. You can refinance any number of properties.
  • One-off $2,000 Bonus Cashback for Owner Occupiers and Investors applying between 18 September 2020 – 31 January 2021, and settled by 31 March 2021.

Example of how the two Cashback offers works:

Home loan scenario Total cashback for eligible Investors Total cashback for eligible Owner-Occupiers
I’m switching 1 property

You’ll receive $4,000 Cashback

  • $2k Refinance Cashback per property x1
  • + $2k Bonus Cashback x1 max

You’ll receive $4,000 Cashback

  • $2k Refinance Cashback per property x1
  • + $2k Bonus Cashback x1 max
I’m switching 2 properties

You’ll receive $6,000 Cashback

  • $2k Refinance Cashback per property x2
  • + $2k Bonus Cashback x1 max

You’ll receive $6,000 Cashback (your other property is an investment)

  • $2k Refinance Cashback per property x2
  • + $2k Bonus Cashback x1 max

The cashbacks will be paid into a St.George transaction account within 60 days of settlement. This account must be linked to your home loan at the time of settlement, and kept open for 60 days afterwards.

For the $2,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.

Already have a St.George home loan with us?

You can apply to increase your home loan. Note that this is different from a home loan refinance. Apply for a home loan increase.

Start your refinance now

Complete our simple application online.
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 284KB)

Loan Accounts - Charges for specific services and accounts (PDF 183KB)

Portfolio Loan Agreement - General Terms and Conditions (PDF 330KB)

St.George Advantage Package - Terms and Conditions (PDF 148KB)

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 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.

*Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. An Advantage Package discount has been included in the advertised eligible rate. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction account, read the terms and conditions (PDF 148KB), and consider if the product is right for you.

# Basic Home Loan Promotional Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Principal and Interest repayments received from 5 June 2020. Discount applies to our Basic Home Loan offer for the life of the loan. Excludes internal refinances and switches within St.George, Bank of Melbourne and BankSA. This offer may be varied or withdrawn at any time. Interest rates subject to change.

+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.