We’re your home loan partner
Success starts with a great broker partnership. At St.George, we're here for you so you can be there for all your client's home loan needs.
Everything you and your client need to make the right choice
Rates and offers
View our latest competitive rates and offers for home and investment loans:
Policies and forms
Find out how to provide more options to your clients in BrokerHub:
Service lead times
We’re working hard to improve assessment and verification times:
Handy tools and guides
Stay up-to-date and always in the know with our tools, support and guides:
NextGenID’s new simplified ID process.
We’ve reduced required ID documents from 2 to 1. With this simplified Document Verification Service, our pass rate has increased to 94% as of June.
Visit BrokerHub and search ‘Westpac Group ID Process Guide’ or speak to your BDM team to learn more.
Popular home loan calculators
Mortgage Calculator
Find out how much you may be able to borrow and the potential costs involved in buying a home.
Stamp duty calculator
Work out how much you could pay in stamp duty and other fees.
Refinance calculator
Rate-hunting? Estimate how much interest you could save by switching home loans to us.
Credit Policy, at a glance
We now have handy Policy Quick Guides for First Home Buyer, Investor, Self-employed and Special Package clients for you to quickly check their eligibility***. Search "Quick-Guide" in BrokerHub to get your copy, today.
We give you the support you need to help your clients
FASTRefi®
Turn your client refinances around with a faster and simpler solution to traditional procedures and avoid waiting for the other lender to process the discharge**.
NextGenID
Your clients can now verify their identity securely and seamlessly on a smartphone. There's no need for a branch visit. Just make your request on AppyOnline.
Broker support
With Broker tools and education, superior BDM support, and direct access to our Credit Team and call centre, our process keeps you up-to-date and in the know.
We go the extra (award-winning) mile for brokers
Enjoy award winning service from a dedicated team of BDMs.
Need some help but don’t know where to start?
The first port of call is to contact your Aggregator or a Business Development Manager (BDM) from your State or Territory. Or call our Broker Hotline.
Call the Broker Hotline, Monday to Friday:
8.30am-5pm (ACDT), 8.30am-5:30pm (AEDT)
Please note, our Credit Hotline will be unavailable from 5pm AEDT Tuesday 24 December 2024, with lines reopening 8:30am AEDT Wednesday 8 January 2025.
Quick tips, handy tools, and resources
Home loan calculators
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.
This information's been prepared without taking your clients objectives, needs and overall financial situation into account. For this reason, your client consider the appropriateness of the information and, if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent advice on any taxation matters.
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.
*Advantage Package: Terms & Conditions (PDF 2MB) apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Before deciding to acquire a St.George transaction account, read the terms & conditions, and consider if the product is 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.
#Basic Home Loan Promotional Rates:
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 25/08/2022. 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.
Residential Investment Basic Principal and Interest Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Principal and Interest repayments received from 24/11/2023. 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.
Basic Home Loan Promotional Interest Only Rate: This offer is only available for new Owner Occupier Basic Home Loan applications with Interest Only repayments received from 26/10/2020. 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.
Residential Investment Basic Interest Only Promotional Rate: This offer is only available for new Residential Investment Basic Home Loan applications with Interest Only repayments received from 24/11/2023. 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.
***For more detailed information on requirements and eligibility criteria, refer to the Credit Policy in BrokerHub.
1Comparison 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.