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Get $2K Cashback when you refinance*

Switch your home loan to St.George and you could get $2,000 refinance cashback* with an LVR+ up to 80%.

Apply from 1st September 2023, and settle within 120 days of applying. Offer available on Basic home loans, and Advantage Package# loans ($395 annual package fee applies). Min loan amount $250k. Offer excludes refinances within the Westpac Group, and may be varied or withdrawn at any time.

 

New discount on your new home loan interest rate

 

Featured Corporate Partners offer

  • As an eligible Corporate Partner member or employee, you’ll enjoy an extra 0.10% p.a. interest rate discount** on your new packaged Variable Rate home loan with optional offset – for the life of your loan.
  • On a $500,000 home loan, the discount equates to a saving of around $12,000 over a 30-year loan term***.
  • That’s on top of the Advantage Package# home loan interest rate discount and other package savings ($395 annual package fee applies).
  • Eligibility, credit criteria, fees and conditions apply.

Advantage Package#

Save when you package a Home loan, Credit card and Transaction account

Discount on interest rates
Save 1.32% p.a. off your standard variable rate home loan with Advantage Package for loans above $100,000
All-in-one package
Combine your home loan, credit card and everyday account into one package, for a $395 annual package fee.

For $395 per year, you will receive:

$0 Lending establishment fee
$0 Monthly loan account fee
$0 Annual credit card fee

Don’t quite have a 20% deposit?

Home Guarantee Scheme^
Helping you buy your own home sooner.
No LMI
No need to pay Lenders Mortgage Insurance (LMI) – you could save thousands.
Up to 98% LVR+
You can get into your home sooner with a deposit as little as 2% on the Family Home Guarantee and 5% on the First Home Guarantee and Regional First Home Buyer Guarantee.
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.

 

Program eligibility. If you didn’t receive the link to this Corporate Partners Program site directly from your organisation, you may be ineligible to receive Program benefits. To check, ask your employer, community group or government organisation if they’re a St.George Corporate Partner e.g. contact your group coordinator, HR or department head. If you still have questions, fill in a few details and one of our team will aim to get back to you within one business day.

 

*Conditions, credit criteria, fees, charges, eligibility criteria and exclusions apply. $2K refinance cashback: Apply from 1st September 2023. Settlement must occur within 120 days of applying. 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 Owner Occupier (Interest Only), loans originated through a mortgage broker, introducer, paid referrer (Mortgage Alliance), residential lending originated under family or company trusts and refinances within Westpac Group (which includes refinances from Westpac, St.George, Bank of Melbourne, BankSA and RAMS). The cashback will be paid into an open 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.

 

**Offer eligibility criteria, exclusions apply. Credit criteria, fees and conditions apply. This offer may be varied or withdrawn at any time. This discount is available to eligible Corporate Partner members and employees on new Variable Rate home loan with the Advantage Package. Eligibility of the primary applicant must be confirmed at the start of the application. $395 annual package fee applies. Offer available on Owner Occupier (Principal & Interest), Owner Occupier (Interest Only), Investment Property (Principal & Interest) and Investment Property (Interest Only) home loans. Minimum loan size of $150,000. Offer not available for loans originated through a mortgage broker, introducer, paid referrer (Mortgage Alliance) and residential lending originated under family or company trusts.

 

***This is an estimate of potential savings; actual savings may differ depending on your situation. Estimated savings amount calculated on a $500,000 home loan on 7.44% p.a. compared to 7.34% p.a. over a 30-year loan term. Premier Advantage Package Conditions of Use $395 annual package fee applies.

 

#Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. The discount and fee savings apply for the duration of the package. Before deciding to acquire a St.George transaction 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.

 

^Home Guarantee Scheme eligibility criteria apply. Conditions, credit criteria, fees and charges apply. Based on St.George’s credit criteria, residential lending is not available for Non-Australian Resident borrowers. This info has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the info and, if necessary, seek appropriate professional advice.

 

2To find out more visit the Home Guarantee Scheme website. Once our allocation of loans under the scheme has been exhausted, standard lending approval criteria, including the need for LMI and LDP where appropriate, will apply.