**Available for Owner Occupier and Investment Property Loans with Principal & Interest and Interest only repayments.

+LVRstands for the initialloan to value ratio. LVR is the amount of your loan compared to the Bank’s 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 won’t change during the life of the loan as the LVR changes.

#Advantage Package:PDF-fileTerms & Conditions (PDF 648KB)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 theterms & conditions, and consider if the product is right for you.

^^FASTRefi®: Only available: on eligible newSt.George home loans; on eligible home loans with your current lender; if your other lender is on the FASTRefi®process list of eligible financial institutions. Your other lender may charge you an additional settlement agent fee, as well as fixed rate home loanbreak costs. Loan suitability for the FASTRefi®product is determined by St.George in conjunction with the insurance product guidelines. FASTRefi®is provided by First American Title Insurance Company of Australia Pty Limited ABN 64 075 279 908 Australian Financial Services Licence 263876, trading as First Title, an Australian general insurance company authorised by the Australian Prudential Regulation Authority. Conditions, fees and charges apply. Lending criteria apply to approval of credit products. This info doesn’t take your personal objectives, circumstances or needs into account, so please consider FASTRefi’s®appropriateness and read the disclosure documents for your selected loan, including the Terms and Conditions, before deciding.

Basic Home Loan Promotional Principal and Interest Rate:This offer is only available for new Owner Occupier BasicHome Loan applicationswithPrincipal and Interest repaymentsreceived from 24/11/2023. Discount applies to ourBasic Home Loanoffer 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 This offer may be varied or withdrawn at any time.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 BasicHome Loan applicationswithPrincipal and Interest repaymentsreceived 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 InvestmentBasic 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.