Get $3K cashback when you refinance online. 

You may be able to get one or both of these offers, based on how you apply and whether you're living in your property (Owner Occupier).

• $2,000 Refinance Cashback per property for applications received between 1 April – 30 Sept 20, and settled by 30 Nov 20. For applications submitted online, in branch, over the phone or with a broker. You can refinance any number of properties.
• + one-off $1,000 Bonus Cashback for Owner Occupiers applying to switch online between 17 July – 30 Aug 20, and settled by 30 Sept 20.

Example of how the two Cashback offers works:
 

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.

If your home loan’s with another lender, you can switch to a St.George home loan: we call this ‘refinancing’. If you already have a home loan with us, and you’d like increase your loan with a ‘top up’, you can find out more here.

'Owner Occupier’ means you live in the property. If you live elsewhere, you’re an Investor.

As long as you meet the eligibility for both offers, then yes you can. Just remember, they’re separate offers, have different application submission dates and you’ll need to apply online for the $1,000 Bonus Cashback.

We’re afraid not, but $2,000 Refinance Cashback is open to Investors, on every property refinanced. Check below to see if you’re eligible.

For the $2,000 Cashback offer, you’ll need to meet these conditions:

• It’s an Investment home loan on either interest only or principal & interest repayments, or an Owner Occupier home loan with Principal & Interest repayments
• It’s either our Basic Home Loan, or a Fixed or Variable Rate home loan under our Advantage Package^* ($395 annual package fee applies)
• Loan size needs to be at least $250k .

Plus, for the one-off $1,000 Bonus Cashback offer, you’ll also need to meet these conditions:

It’s an Owner Occupier home loan with Principal & Interest repayments

• Your application’s submitted online – don’t worry, we’ll save your progress and you can speak with a real expert 6 days a week
• Your loan has an LVR up to 80% at time of formal approval – in other words, you've got at least 20% of your property’s bank valuation as a deposit
• You apply before 27 August 20 and settle by 30 Sept 20.

Yes there are some. The $2,000 Cashback offer:

• Excludes Owner Occupier home loans with Interest Only repayments
• Excludes Portfolio Loans and residential lending originated under family or company trusts
• Excludes home loan switches and internal refinances within the Westpac Group, including St.George, Bank of Melbourne, Westpac, BankSA and RAMS
• Pays only one $2k cashback per property refinance, regardless of the number of loans involved.

The $1,000 bonus Cashback offer also:

• Excludes Owner Occupier Interest Only loans, Investment Loans or residential lending originated under family or company trusts 
• Pays only one $1 bonus cashback, no matter how many customers, properties or applications are involved. 

You can get the 2K cashback by applying to switch your home loan to St.George either online, or through a branch or broker.

You’ll only receive 1 bonus cashback for the first application you submit and complete online. Any applications submitted by you thereafter will not be eligible for this offer.