Advantage Package Standard Special Discount Advantage Package Standard Special Discount $250K - $499,999 (Principal & Interest) (Owner Occupied)
4.50%p.a Standard Variable
About St.George Bank
Repayments calculated to take into account ongoing monthly and anual fees.
- Monthly repayment*
- rate per annum
Loan to Value Ratio
Borrow up to the maxium of 95% of the value of the property.
Lenders Mortgage Insurance, or LMI, will be payable on most loans where the borrowings are greater than 80% of the value of the property.
However, you may be able to capitalise LMI into your loan, increasing the overall loan amount by about 2% (in order to cover the cost of the insurance). Contact a loan market broker to find out how LVR and LMI might impact the cost of your loan repayments.
- Capitalise LMI
For ["Construction", "Owner Occupied", "Vacant Land"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].
- 1 - 30 years
The level of financial documentaion and credit history required to apply for the loan.
- Full Doc
- Credit History
- Genuine Saving
Save on interest repayments by holding spare cash in an offset account.
- Offset account
Get quick access to cash by drawing on the loan to pay for renovations or other purchases.
- Redraw Facility
- Min Redraw
- Redraw fee
Given the wide range of loans on offer – with different interest rates, product features and fees – it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.
Some features you may wish to consider include:
- an offset account;
- ability to make extra repayments;
- a redraw facility; and
- linked credit card and savings accounts;
- ability to split your loan between fixed and variable interest rates
- Offset Account
- Redraw Available
- Credit Card
- Internet Banking
- Telephone Banking
- BPay Option
- Portability of Loan
- Professional Pack
- Check Account
- Direct Salary Credit
- Free Transactions
- Minimum Redraw
- Redraw Fee
You can make your repaments Fortnightly, Monthly, and Weekly.
- Interest Only Option
- Max Interest Only
- 0 years
Upfront fess associated with estabilishing the loan. Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.
Monthly and annual fees and charges during the loan period.
- Ongoing Yearly
Fees associated with prematurely ending the loan.
- Early Repayment
- Switch To Fixed
CASHBACK OFFER New $1500 refinance cashback offer - Available for owner occupier and residential investment refinances - This offer is limited to one $1500 cashback during the campaign and will be paid per primary/main applicant (Applicant 1) only. Multiple applications submitted by the same main applicant are not eligible for this offer. - Loans under Advantage Package only. - Excludes Portfolio loans - The total loan amount per application must meet the minimum loan amount criteria - Must have a Bank of Melbourne transaction account linked to the refinanced home loan at the time of settlement. - Home loan repayments must be direct debited from this transaction account. - The transaction account must be kept open for a minimum of 60 days after settlement. The cashback will be paid into this account during this period. - Customer is not refinancing from Westpac, St.George, BankSA or Bank of Melbourne. - Not available in conjunction with any other cashback offer. If all the eligibility criteria are met, the cashback will be paid within 60 days of settlement into the Bank of Melbourne transaction account from which the home loan repayments are made. ADVANTAGE PACKAGE Available for fixed loans >$150K and variable loans >$100K. Save when you package a home loan, credit card and transaction account - Flexible repayment options
For new and existing customers, max LVR for owner occupiers is 95% including LMI capitalisation. Max LVR for refinances from other financial institutions is 90%. Conditions apply for new customers. These include, but are not limited to; - Maximum loan amount of $750K - No Auto Decline overrides will be considered - Genuine savings policy applies, with the exception of Inheritance and Sale of non-real estate assets which are capped at 90% LVR
5% Genuine savings needs to be verified on mortgage insured loans where the LVR exceeds 85%. Any applications for investments loans that have an LVR >90% will require a minimum equity of 10% to be held in another property. The 10% equity holding is to be calculated using the applicants estimated Market Value of their existing properties against their current exposure. Current exposure is to be calculated on loan account limit and not loan account balance. The 10% equity may be held in one or more existing properties held by any of the applicants.
$500 Security substitution fee Partial Discharge Assessment Fee: $350