Home Loans

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Compare our Home Loans

See at a glance how fees, features and loan purposes differ by product.

Compare our Home Loans

Get 4K cashback when you refinance

$4K

Cashback^ When you Refinance


Apply by 31st March 2022, and settle by 30th June 2022. 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 $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.^ 

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Home loans

Manage your home loan

Need to make changes to your existing home loan?

Basic home loan. Sensational rate.

  • 2.19% p.a. Variable rate
  • 2.21% p.a. Comparison rate*

Including 1.74% p.a. discount off our Basic Home Loan Variable Rate with no package fee. For new Owner Occupier (Principal & Interest^^). LVR+ above 60% up to 80%.

 

T&C's apply. See comparison rate warning.

 

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Articles & tools

LVR and interest rates

Why is this important to you? A lower LVR usually translates to a lower interest rate for the borrower.

Find out about LVR (loan-to-value ratio)

Borrowing power calculator

Enter details of your income and expenses to get an estimate of how much you could borrow and what your repayments might be for your investment property.

Find out your borrowing power

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A St.George home loan expert will call you back.

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13 33 30

To talk with a St.George home loan expert, say "New home loan" when prompted.

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Important information

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:

Please read these documents and keep a copy. You can request a paper copy at a branch.

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. 

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. Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.

^How does the refinance cashback offer work: Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. Apply between 8th December 2021 to 31st March 2022 and settle by 30th June 2022 for refinance applications. 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 $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. Excludes Owner Occupier Interest Only, Portfolio Loans, 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 and linked to the home loan at settlement. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters. 

^^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 10/02/2022. 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.

*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.

#Advantage Package Terms & Conditions (PDF 137KB) 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. 

+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.

Personalised rate: A variable rate loan discount is valid for 14 days and a fixed rate discount is valid for 5 days. All interest rates are subject to change.