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Be your own boss with a St.George home loan

Same offers and loans
Self-employed borrowers will get our same residential loans, interest rates and features as salary-earners – as long as the loan is in their name. 
With our Fast Track assessment home loan process, you only need your two most recent personal ATO Notices of Assessment.
Apply online now
One of our St.George home finance managers will call you back – upload your documents anytime.

Borrowing in your name? Choose from our full range of home loans 

Fixed interest home loans

Know exactly what your rate and repayments will be for a 1-5 year loan term.

Variable interest home loans

Get ahead on your mortgage with limitless extra repayments.

Frequently asked questions

You can apply for a residential St.George home loan, whether: 

  • You own a small business or large company 
  • You’re a sole trader, in a partnership, operating as company or trust 
  • It’s your first home, next home, an Investment Loan, or you’re refinancing (switching your home loan to us)
  • You’re building a new property, or buying an established one. 

Borrowing in your own name 

Whether the loan will be in your own name or with a joint-applicant, you can apply for any St.George residential home loan. Even better, you'll get the same interest rate, offers and features that are available to our PAYG customers. 

Borrowing through your business  

If the residential property loan will be in your business or trust's name, you can apply for our Standard Variable Rate and Fixed Rate home loans – though you won’t qualify for our Fast Track assessment. You'll even get the same interest rate, offers and features that are available to our PAYG customers.

Get $2K cashback when you refinance to us

Switch your loan to St.George and you could lower your repayments, or pay off your your loan faster.

Apply by 30 June 2024, and settle by 31 October 2024.  Offer may be varied or withdrawn at any time. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $2K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^

Start your application online

Learn how much you could borrow.
It should only take around 20 minutes to apply.

A home loan expert will call you once you have submitted your application to talk through next steps.

Not quite ready to apply?

Important information

Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 43KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Fixed rate home loan: St.George 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.

+LVR stands for the initial loan to value ratio. 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 won’t change during the life of the loan as the LVR changes.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply by 30 June 2024, and settle by 31 October 2024. Offer may be varied or withdrawn at any time. Min loan amount $250k and LVR up to 80%. Offer available for Owner Occupier with Principal & Interest repayments and Residential Investment Loans (Principal and Interest & Interest Only repayments). Advantage Package ($395 annual package fee and T&Cs apply) and Basic Home Loans. Limit of one $2,000 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. Excludes Owner Occupier Interest Only, residential lending originated under family or company trusts and refinances within Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into a St.George transaction account within 60 days of settlement. This account must be in the same name as the home loan account (for joint home loans, the transaction account will need to be in the same joint names) and linked for home loan repayments to be direct debited from this account at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.