Standard Variable Rate Home Loan

¹ Redraw and repayment pause requests are subject to our approval. Fees apply.
² Other upfront fees and costs may apply.
³ Advantage Package annual fee of $395 applies, other fees may be payable. The fee savings apply for the duration of the package. Contact St.George to see if you are eligible to receive Advantage Package benefits.
⁴ The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
⁵ Lender’s Mortgage Insurance is generally payable on loans exceeding 80% of the value of your property.
⁶ St.George Deposit Protect Bonds are guaranteed by Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 and are distributed by St.George – A Division of Westpac Banking Corporation. Before applying for this product, you should consider the Product Disclosure Statement (PDS) to see if it’s right for you.
^# The following interest rate discounts are only available in Advantage Package for Standard Variable Rate Loans and Portfolio Variable Rate Loans. Standard interest rate discount, for loans between $100,000 and $149,999, of 0.25% p.a. discount will be applied; for loans between $150,000 to $249,999, 0.50% p.a. discount will be applied; for loans between $250,000 and $499,999, 0.70% p.a. discount will be applied. No discount applies for loans below $100,000. Special interest rate discounts for loans greater than $500,000, for new packaged loans and loan amounts applied for between 21 March 2012 and 31 May 2012, 0.80% p.a. discount will be applied. Special rate discounts include the standard Advantage Package discount of 0.70% p.a. discount and do not apply to internal refinances and are not transferrable between loans. Advantage Package annual fee, currently $395, is payable from an eligible St George transactional account.
^## This offer is available on applications received from 21 March 2012 to 31 May 2012 and settled by 15 July 2012 under the advantage package. You must hold a St George transaction account and direct debit your repayments in order to receive the rebate. You must nominate a St George home loan or deposit account for the $700 payment to be deposited into. Where no account is nominated prior to settlement, the payment will be made into the new home loan account at settlement. The $700 payment only applies to new personal or investment home loan applications for secured borrowings of $250,000 or more where the loan purpose is to refinance. Offer is not available for loan refinances of existing St George home loans, BankSA, and Bank of Melbourne home loans. An annual Advantage Package fee currently $395, applies. This offer is limited to one home loan application (including single or multiple applicants) and cannot be used in conjunction with any other offer. Conditions, fees and charges apply and are available on request. All applications for credit are subject to St George’s prevailing credit criteria. St George – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (03/12)