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St George Advantage Package home loan

Bundle your personal finance products together and receive a discount on your interest rate.

The St.George Advantage Package is a package loan which bundles together your credit card, transaction account and home loan together and in return gives you a range of savings on your home loan interest rate and fees and discounts on your St.George credit card and transaction account fees and insurance premiums.

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Review by

Richard Whitten is an editor at Finder, and has been covering home loans and the property market in Australia for the last 4 years. He has written for Yahoo Finance, Money Magazine and Homely, as well as multiple banks and lenders. Richard has a Certificate IV in Finance and Mortgage Broking, a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communication. He enjoys helping people understand the ins and outs of mortgages so they can make smarter property decisions. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea.

Expert review

It should be noted that this is a package home loan. This means it gives borrowers a discount on different products and services in return for charging an annual fee.

The Advantage Package is a flexible loan which gives borrowers the ability to borrow to buy a home, an investment property or to refinance. When paired with the standard variable rate loan it's able to be used for purchasing vacant land to build on it and it's a full documentation loan.

About this loan

How does the St.George Advantage Package work?

This loan works by bundling together a St.George home loan, credit card and transaction account together. The package comes with fee waivers for the products in the package.

What are the features and benefits of the St.George Advantage Package Home Loan?

The Advantage Package has a range of benefits which grant savings to borrowers. The features of the St.George Advantage Package are:

  • Loan term. The Advantage Package with Standard Variable Rate Home Loan has a loan term of up to 30 years if you choose to make principal and interest repayments, or up to 15 years if you make interest-only repayments.
  • Discounts. Bundling your products together nets you some discounts. You'll pay no annual fees for your credit card, no monthly fees for your transaction account or offset account and get free redraws over the phone or internet.
  • Flexible repayments. You can make your repayments every week, fortnight or month if you're making principal and interest repayments, or every month if you're making interest-only payments. You can also make additional repayments at no extra cost and get access to these payments with a free redraw facility if you need the extra cash.
  • offset account. The offset account offered with this loan means you can deposit your salary and savings into your account and then pay less interest on your home loan.

How to apply

If you feel like the St.George Advantage Package is a loan you'd like to learn more about, or even apply for, you can do so by clicking on the 'Go to site' buttons on this page.

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  1. Default Gravatar
    January 16, 2014

    We took the advantage package home loan in june 2011. Unfortunately we sold the house in July 2012 , We release the mortgage and paid all the fees but we did not notice that the home loan insurance continued and it is been debited from our account until january 2014 when we noticed and cancelled. Is that correct? we informed St George that the main mortgage did not exist since 2012 and St george is been debited payments of $80 during the last 18 months. St george has refund the last premium.

    • Avatarfinder Customer Care
      January 17, 2014

      Hello Vanessa,
      thanks for the comment.

      You definitely shouldn’t be charged for insurance which you’re not using. I would contact St George again asking for a refund for each month which you no longer held the home but were still being charged.

      I hope this helps,

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