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Basic St George Owner Occupied P&I Variable Rate 4.34% for LVR<=70% (CPR 4.35%) @ St George

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Basic St George Owner Occupied P&I Variable Rate 4.34% for LVR<=70% (CPR 4.35%) @ St George
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AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 11:21 stgeorge.com.au (73 clicks)
Last edited 26/10/2022 - 10:09 by 2 other users

Hello All Ozbargainers

St George has just reduce their rate for the Basic Home Loan variable rate today and offering an $4000 Cashback on all refinances for owner occupied and investments which has been extended to the end of October 2022. Please note these are the latest rates (including the October rate increase)

Principal and Interest Owner Occupied HOME LOAN
4.34% variable (CPR 4.35%) FOR LVR <70%
4.44% variable (CPR 4.45%) FOR 70%<LVR <80%

Principal and Interest INVESTMENT HOME LOAN
4.59% variable (CPR 4.60%) FOR LVR <70%
4.69% variable (CPR 4.70%) FOR 70%<LVR <80%

Interest only INVESTMENT HOME LOAN

5.04% variable (CPR 5.05%) FOR LVR <80%

Fixed rates are available and offset are available. Please contact us for details rates are subject to lender changes

Fees applicable
No Establishment fee - savings you $600
No annual fee

Apply by 31st October 2022, and settle by 30th January 2023. Owner Occupier (P&I repayments) and Residential Investment loans, with LVR up to 80%. Available on home loans with our Advantage Package ($395 annual package fee) and our Basic Home Loan (no annual fee). $250k min loan. Only one $4K cashback offer available per primary applicant within a 12 month period. Excludes refinances from within Westpac Group.

We also offer the following product as well. These are the latest rates including the October rates increase
ANZ - 4.44% variable for Owner Occupied + $4000 cashback
Suncorp - 4.37% variable rate for Owner Occupied up to $4000 cashback
ING - 4.34% for Owner Occupied + $3,000 cashback
Westpac- From 4.24% variable for Owner Occupied + special cashback offer
Ubank- 4.37% variable rate for Owner Occupied up to $4000 cashback
** Citibank 4.39% variable rate for Owner occupied and up to $5000 cashback**

Heroes Home Loans are also providing an additional incentive broker rebate of up to $4,000 if user our service (note this applies to all products). https://www.ozbargain.com.au/node/728069

Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to answer all finance related questions.

Wilson Yuan
Managing Director
M : 0477 200 670
E : [email protected]
W: www.heroeshomeloans.com.au

ABN 17 654 630 529 | Certified MFAA Member 230928 | Australian Credit Licence number 389328 | Credit Representative’s number 530101

Mod: Removed dupe from title.

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St.George Bank
St.George Bank
Heroes Home Loans
Heroes Home Loans
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closed Comments

  • LittleTicket on 10/10/2022 - 11:26

    Hey Wilson - this is pretty sharp. What’s StGeorge like with decreasing rates on higher loan amounts? E.g. If I bring over $1m vs 500k?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 11:34
      +1

      They are pretty competitive, Please feel free to email me at [email protected] or text/call me on 0477 200 670 and I would be happy to get a sharp pricing for yourself.

  • Dice on 10/10/2022 - 11:28

    What was it reduced from? They were offering 4.19% last week (prior to the announced 0.25% increase).

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 11:32

      It was 4.24% prior to the rate increase

  • The Delray Misfits on 10/10/2022 - 11:29

    whats another bank offering similar cashback that isnt st george or anz?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 11:32

      Citibank, Ubank or Westpac and Suncorp

    • Slo20 on 10/10/2022 - 11:33
      +1

      ING - 4.34% for Owner Occupied + $3,000 cashback
      Westpac- From 4.24% variable for Owner Occupied + special cashback offer
      Ubank- 4.37% variable rate for Owner Occupied up to $4000 cashback
      Citibank 4.39% variable rate for Owner occupied and up to $5000 cashback

      • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 11:34

        Yes to the above.

      • The Delray Misfits on 10/10/2022 - 11:37

        thanks mate

        only ubank out of the above allows cashback for a loan around 250k~

        i believe hsbc also has cashback of around $3288

        interest rate dosent concern me at this stage

  • Goldsmen on 10/10/2022 - 17:21

    Is 4.34% variable a bargain?

    Was shopping around for under 70% LVR beyond bank have 3.49% variable rate and 3.52% comparison. Waiting to hear back from them.

    https://www.beyondbank.com.au/personal-banking/home-loans/pu…

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 20:53

      The catch is that there rates haven't increase yet (ie they haven't pass the September and October rate increase yet)

      "These rates did not increase with the portfolio rate change on Tuesday 20 September 2022 and will be reviewed in October when the RBA meet again".

  • moguri on 10/10/2022 - 18:22

    Is UBank the only lender offering cashback for new purchases?

    From what I can see (at least from the BIG4 groups), others only offer cashback for refinance?

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 20:43

      Ubank and Citibank are the only one offer cashback for purchase

  • Windy711 on 10/10/2022 - 23:13

    Has anyone heard Unloan (built by CBA)? Last week I checked the rate was 4.04%.

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 10/10/2022 - 23:21

      They haven't pass the rate increase yet, so once they pass the rate increase ,it become a lot more higher and they dont offer any cashback

  • Edgecrusher on 11/10/2022 - 08:58

    @Wilson Heroes HL who is currently offering the best deal with an offset, I have $150-180k left on my loan, so assuming I'll have to take out $250k.

    I'm done with NAB, been with them 15 years, rate is crap, let alone having to chase them to remove fees they agree to wave (eg package fee that two months ago they agreed to wave for this year, plus packaged credit card fee's)

    • AssociatedWilson Heroes HL @ Heroes Home Loans on 11/10/2022 - 09:45

      What's the value of your property?

      • Edgecrusher on 11/10/2022 - 09:56

        Haven’t had it valued since purchase.
        2007 purchase $310k
        Estimate now $550k - $600k.
        LVR would be sub 50% on 250k.

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