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Using your home loan
Here you'll find answers to questions about owning your home sooner, saving money with extra repayments and more. If you want to talk to a St.George home loan expert, call us on 13 33 30.
- How can I own my home sooner?
- Can I pay out my home loan at any time?
- If I have a variable interest rate loan and I think interest rates are going to rise, can I switch to a fixed interest rate?
- Do I need bank approval when I want to use my pre-arranged credit limit with my Portfolio Loan?
- Is there a minimum withdrawal amount or any limit on the number of transactions I make with my Portfolio Loan?
- Can I keep my day-to-day transactions separate from my investments with a Portfolio Loan?
- On a Construction Loan, when can the first progress payment be released?
- How can I make a home loan repayment?
- How often do I make a loan repayment?
- How do I increase/decrease my repayments?
- When do I start repaying my loan and how much is my first payment?
- Where can I see how far ahead I am with my home loan?
- Can I repay my loan early?
- What happens if I can't pay our loan?
- How can I decrease my monthly payments over time?
- What is Repayment Pause and is it available on my loan?
- How do I arrange a Repayment Pause?
- How do I arrange to direct credit my salary into my Portfolio Loan?
- How do I register to make payments online?
- If I make extra repayments, when will my loan be repaid?
- What if my personal or financial circumstances change?
- What do I do if I can't make a repayment?
- What is a Repayment Pause and who is eligible?
- Can I split my home loan to take out both a fixed and variable interest rate home loan?
- Can I make extra payments on fixed loans?
- Can I redraw on my home loan?
- Can I access my prepaid funds by redraw?
Important information
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this general information, please consider if it's right for you. If you need help, call 13 33 30
1. Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and distributed by Westpac Banking Corporate ABN 33 007 457 141. Before deciding to acquire a policy, please read the Product Disclosure Statement which is available from our website
2. Before deciding to acquire a Deposit Protect Bond, please read the relevant Product Disclosure Statement which is available from our website.
3. Redraw requests are subject to our approval. Fees apply.
4. A sub-account holder must be one or more of the Portfolio Loan borrowers. The remaining borrowers on the Portfolio Loan must be guarantors on that sub account. Any Portfolio Loan borrower who is not a sub-account holder of a particular sub-account must guarantee that sub-account.