Advantage Portfolio Package Special Discount Advantage Portfolio Package Special Discount - $250K - $499,999 (Owner Occupied)
4.84%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 90% 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 ["Line of Credit", "Equity", "Owner Occupied", "Vacant Land"], in ["NSW", "NT", "QLD", "SA", "WA", "VIC", "TAS", "ACT"].
- 0 - 40 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 Monthly.
- Interest Only Option
- Max Interest Only
- 5 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
OTHER PRODUCT INFO: The Advantage Package is available to new and existing borrowers. For a single annual fee, charged on the anniversary of when the Package is activated, the customer receives discounts and fee waivers on their home loan, transaction account and Credit card. Benefits include: - Customers will receive upfront savings on their home loan such as free establishment fee for new loans or free increase or switch fee for existing loans - Interest rate discounts on Standard Variable and Portfolio Variable rate loans - Customers will also receive ongoing fee savings on their home loan, transaction account and credit cards The Advantage Package is NOT AVAILABLE for: - Building Loans not fully drawn down (can be packaged after settlement) - Relocation Loan (if the end debt portion of the relocation loan is a Portfolio Loan, the Portfolio Loan can be Packaged. The standard Relocation Loan establishment fee will be payable on the capitalised portion) - Interest in Advance (once the loan has settled, customers with unregulated investment loans can request interest in advance and remain in the Package) - Companies and Trusts - Guarantor as Company or Trust - Where the loan involves more than 1 security and not all properties are linked to all loans - Increases involving an addition of a security property, where the additional security is not a property to be purchased - Extended settlement loans (can be packaged after settlement) - Loyalty Loans Portfolio Loan Variable Rate may apply to one or more sub-accounts. The customer has complete flexibility with this option (subject to availability of rates). The primary sub-account must be at a variable rate. Borrowers are required to make minimum repayments on all sub-accounts (excluding any sub-account on which the interest is capitalising). The minimum repayment is the total of interest, fees and charges and is shown on the monthly statement. Portfolio Loan is AVAILABLE to: - New and existing borrowers - Owner Occupiers and Investors - Existing loans may be switched into this product (applicable switch fees to apply) - Security must be residential improved security see Security in this specification - Building Loans (Contract build
LMI required above 80% LVR. Max LVR 90% for Owner Occupied. Conditions apply for new customers. These include, but are not limited to; - 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%.
Free redraw via Phone and Internet banking. Additional Security Property Fee: $100. Partial discharge assessment fee: $350 Additional sub-account fee: $100 per additional sub-account. Redistribution of limit fee: $10 per request Change of primary sub-account fee: $10 per request. Change of interest rate or interest rate option or payment requirement: $500 per request per sub-account plus break costs if applicable