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Switch your home loan to St.George and you could get $4K cashback^
$4,000 Refinance Cashback per primary applicant for applications received between 8th December 2021 - 31st October 2022 and settled by 31st January 2023. Limit of one $4,000 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 $4,000 cashback offer, tax consequences may arise for investors and you should seek independent advice.
You can apply to increase your home loan. Note that this is different from a home loan refinance. Apply for a home loan increase.
A home loan expert will call you once you have submitted your application to talk through next steps.
Refinancing your home loan has the potential to make you some hefty savings, it’s important to weigh up the costs involved.
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 345KB)
Loan Accounts - Charges for specific services and accounts (PDF 70KB)
St.George Advantage Package - Terms and Conditions (PDF 144KB)
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.
This calculation is not an offer of credit but an estimate only. Your borrowing power amount may be different when you complete a full application and we capture all details relevant to our lending criteria. Our lending criteria and basis upon which we assess what you can afford may change at any time without notice. Before acting on this calculation you should seek professional advice.
Loans subject to credit criteria. Where the loan to valuation ratio is 80% or above, lender’s mortgage insurance will be required for a fee. Other fees, charges and purchase costs apply. Terms and Conditions available upon application. (Additional funds required for transaction and establishment costs).
The calculator does not take into account any future refinancing options which may be available. The calculator does not take into account any applicable bank fees. For details on fees and charges, please go to stgeorge.com.au.
The output or result of these calculators:
The interest rates used in the calculator:
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.
^^^Basic Home Loan Promotional Rates:
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 20/07/2022. 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.
Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 20/07/2022. 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.
Basic Home Loan Promotional Interest Only Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 26/10/2020. 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.
Residential Investment Basic Interest Only Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 20/07/2022. 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.
^^FASTRefi: Only available: on eligible new St.George home loans; on eligible home loans with your current lender; if your other lender is on the FASTRefi process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loan break costs. Loan suitability for the FASTRefi product is determined by St.George in conjunction with the insurance product guidelines. FASTRefi is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider FASTRefi’s appropriateness and read the disclosure documents for your selected loan, including the Terms and Conditions, before deciding.
*Advantage Package Terms & Conditions (PDF 144KB) apply. A $395 annual package fee applies and is payable from a St.George Complete Freedom transaction account. Before deciding to open a St.George Complete Freedom account, read the Terms & Conditions, and consider if the account’s right for you.
+++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 Bank’s 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.
++Potential savings: gives an indication of the amount you could save on new repayments if you switched to the St.George home loan example, with calculations based on monthly repayments, in respect to the original amount, annual interest rate and term you entered. Potential savings over the life of your loan are based on the difference between estimated total interest on your current home loan and the St.George home loan. Loan term reduction amount is based on the time you could save by paying off the St.George home loan if you increased your repayments. Extra interest you could save calculation is based on increasing your repayments on the St.George home loan.