Get $4K cashback when you refinance
Switch your home loan to St.George and you could get $4K cashback^ with your first refinance application.
Why refinance your home loan with us?
Get 4K cashback when you refinance
$4K
Cashback^ When you Refinance
FAQs
You may be able to get one or both of these offers.
- $2,000 Refinance Cashback per property for applications received between 1st April 2020 - 30th June 2021 and settled by 30th September 2021. You can refinance any number of properties.
- One-off $2,000 Bonus Cashback on initial applications for Owner Occupiers and Investors applying between 18th September 2020 – 30th June 2021, and settled by 30th September 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
|
You’ll receive $4,000 Cashback
|
| I’m switching 2 properties | You’ll receive $6,000 Cashback
|
You’ll receive $6,000 Cashback (your other property is an investment)
|
The cashbacks 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 $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 application online
A home loan expert will call you once you have submitted your application to talk through next steps.
What are the costs to refinance?
Refinancing your home loan has the potential to make you some hefty savings, it’s important to weigh up the costs involved.
Should you refinance, and if so how?
With low rates and online application forms, Aussies are moving their home loan to greener pastures. Here are some reasons why – and how to switch over in 6 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 223KB)
Loan Accounts - Charges for specific services and accounts (PDF 1MB)
Portfolio Loan Agreement - General Terms and Conditions (PDF 884KB)
St.George Advantage Package - Terms and Conditions (PDF 174KB)
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.
Fixed rate home loan: The Bank will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan interest 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, and consider if the product is right for you.
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.
+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.
# Basic Home Loan Promotional Rate: This offer is only available for new Basic Home Loan applications received from 9/03/2021. 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.
The output or result of these calculators:
a. is subject to the assumptions which are subject to change;
b. is prepared without knowing your personal financial circumstances. Before you act on the output of the calculators, please consider if it’s right for you. If you need more information, please call 13 33 30. We recommend that you consult your financial adviser before taking out a loan;
c. does not represent either a quote or pre-qualification for a loan;
d. may not be taken into account if you apply for a loan with us as we will make our own calculations. When assessing ability to service a loan, St.George may use an interest rate that is higher than the current interest rate for the loan requested.
The interest rates used in the calculator:
a. are current, as indicated on our home loan interest rate pages
b. are St.George's standard interest rates and include any package or promotional discounts; and
c. are subject to change.
d. LVR above 60% up to 80%