This was posted 2 years 8 months 29 days ago, and might be an out-dated deal.

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Basic Variable Redraw Owner Occupied Home Loan P&I 2.09% (LVR above 60 to 80) @ St George Bank

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Basic Variable Redraw Owner Occupied Home Loan P&I 2.09% (LVR above 60 to 80) @ St George Bank
Go to Deal
Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 10:06 stgeorge.com.au (326 clicks)
Last edited 24/03/2022 - 18:17 by 3 other users

Basic home loan. Sensational rate.
2.09% p.a. Variable rate
2.11% p.a. Comparison rate
Including 1.84% p.a. discount off our Basic Home Loan Variable Rate with no package fee. For new Owner Occupier (Principal & Interest#). LVR+ above 60% up to 80%.

St George $4,000 rebate for refinances for $250,000 loan size or above - https://www.stgeorge.com.au/personal/home-loans/refinancing

T&C's apply. See comparison rate warning.

Broker Cashback — $500 for balances between 400k and 750k net of offset & $1000 cashback for balances over 750k net of offset. Broker rebate paid post settlement normally 2 months post settlement. If all variable we pay in 2 instalments at 2 months and 24 months.

You can book an appointment straight into my calendar - https://calendly.com/adrianplayermortgagebroker/15min

Adrian Player is a credit representative (498364) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)
M: 0416643638
E: [email protected]
W: www.integralloansolutions.com.au

Financial Cashback Home Loan Loan Refinance

Related Stores

St.George Bank
St.George Bank
Integral Loan Solutions
Integral Loan Solutions
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closed Comments

  • stirlo on 24/03/2022 - 10:13
    +10

    Types of clients suitable on a plus 3.00% rate? or havent reviewed your mortgage in 18-24 months?

    Whenever I see this I wonder why you're advertising this on Ozbargain. Anyone on this site paying 3% plus or that hasn't reviewed their mortgage for 2 years should hand in their Ozbargain badge immediately.

  • stirlo on 24/03/2022 - 10:16
    +4

    Also I have 1.94% with no package fee from the St George retention team after I sent through discharge papers for a refinance so you'd be surprised how low the big banks can go if you truly put the squeeze on them.

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 10:19

      You have done very well! Would you mind pming me your loan size and lvr and when this was. So i have a good idea on what the lenders are offering?

      • valleyrain on 24/03/2022 - 10:27

        ^ This. Your loan balance must be high or lvr low. Just headline interest rates have no meaning.

        • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 10:28

          yep they have a really strong retention team.

          • WhyAmICommenting on 24/03/2022 - 10:57

            @Adrian Player: Great to know when my 1.84 fixed expires

          • Shibster on 24/03/2022 - 11:05

            @Adrian Player: they didnt a few years ago when I tried…. they basically said we cant match that an you best leave and take it….. =)

          • LuckyDrew on 24/03/2022 - 12:16
            +1

            @Adrian Player: They let me walk after I tried to squeeze a bit more out of them. Went from 2.37% down to 1.97% and a $3288 cashback with HSBC.
            To be fair, 9 months earlier they had matched a $4k cashback with Citibank to keep me…

    • virtualds on 24/03/2022 - 10:27
      +1

      They offered me 1.89%.

      • stirlo on 24/03/2022 - 10:49

        Did you accept? Or find somewhere better?

        • virtualds on 24/03/2022 - 13:51

          No. I am going to somewhere else. I am getting the same with offset acc and cashback.

  • belesci on 24/03/2022 - 10:22

    Any reduction on packaged loan?

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 10:22
      +1

      Normally if the basic product goes down so does the pricing requests on the package rates. But they havent notified us yet of this.

  • danielkcheung on 24/03/2022 - 10:33
    +1

    A few weeks ago I called up BoM and asked for a better deal.

    Someone from retentions got back to me and without too much effort, my variable rate was dropped by 0.5%.

    The key is to do your homework. Have comparison loans and initiate a discharge. Internal teams are then required to give you a best deal.

    • stirlo on 24/03/2022 - 10:36
      +1

      initiate a discharge

      This is the key.

      When you send in discharge forms you get access to "discharge pricing" They previously offered me an pitiful extra 0.10% discount when I just angrily called up and pointed out that others had better rate. It took actually sending in the forms to bring them to the table properly.

      • ozbargainerlife1 on 24/03/2022 - 10:51
        +1

        what do you mean discharge forms and pricing. is this done when we refinance to another lender and they give discharge forms? Sorry I am going to refinance first time

        • WhyAmICommenting on 24/03/2022 - 10:58

          I’d like to know this also.

          (I’ve refinanced a couple of times but it’s news to me too.)

        • stirlo on 24/03/2022 - 10:58
          +1

          Yeah, to get a better rate with your existing lender the best thing to do is initiate (or threaten to initiate) a discharge. Their retention team will be able to offer you a way better deal particularly if you can point to someone like TicToc who has a low (1.89%) rate, no fees and is offering a cash bonus. Just tell them you have to match their offer or you'll leave.

          The main issues are when your LVR is above 80 and you have some kind of LMI guarantee. Not all cheap lenders will offer you these deals so the big banks know your threat to leave actually can't be followed through with. So then they won't offer you a good retention bonus as they know you can't actually leave them.

          • daemon on 24/03/2022 - 11:15
            +1

            @stirlo: yep and I've found retention teams are generally super friendly too, great to deal with haha

            • starbearer on 24/03/2022 - 13:04

              @daemon: Well, they've gotta be if they hope to retain people

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 10:38

      Exactly

    • lgacb08 on 24/03/2022 - 11:26
      +2

      I just got BoM to drop my rate to 1.89 and match cashback against TicToc when I served them my discharge request. It's been the first time I saw the major doing this. Anyone with Westpac or its subsidiaries should try ringing them to get a better rate.

      • danielkcheung on 24/03/2022 - 11:32

        Reading this makes me want to call them up again. I'm not happy with 2.04%!

  • ozbargainerlife1 on 24/03/2022 - 10:55

    HSBC 1.97?

  • cook99 on 24/03/2022 - 11:09
    +1

    Probably less confusing to just remove "Including 1.84% p.a. discount off our Basic Home Loan Variable Rate"

    The discount is totally irrelevant when the base fee is so inflated that nobody would pay that. May as well say 10% discount off out 12.2% rate…

    I'm aware all the banks do this but it's such a meaningless comparison and equates to price jacking for most customers

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 11:22
      +1

      Sorry i just copied and pasted from the st george website

      • cook99 on 24/03/2022 - 11:23

        Yeah totally understand it comes from their side, just find it very misleading. Especially when the discount is close to the final actual rate (meaning they've doubled the price jack effectively)

  • jv on 24/03/2022 - 11:53
    +1

    Not sure I trust this…

    OP appears to be a player…

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 12:56
      +1

      A Player the original player….

  • bogstation on 24/03/2022 - 17:36

    Any chance they would match the HSBC rate of 1.97% (or better rates indicated in this thread) while keeping the cashback?

    • Store RepAdrian Player @ Integral Loan Solutions on 24/03/2022 - 17:42
      +1

      I dont think they will no as a new customer. Unless its very large loan size unde r70% lvr and its already a client who is leaving and they get a retention offer.

  • ozbargainerlife1 on 25/03/2022 - 14:36

    I called st george today and they mentioned this offer is extended beyond 31/3!

    • Store RepAdrian Player @ Integral Loan Solutions on 25/03/2022 - 15:40

      Yes that may be the case i put a short expiry as i cant guarantee they dont change their rates after a 3 week period. Other lenders like suncorp and virgin money are already showing signs of variable rates going up.

  • DRAGONPHONEIX on 29/03/2022 - 17:12

    What's the rate for <= 80 lvr and with offset for owner occupied?

    • Store RepAdrian Player @ Integral Loan Solutions on 29/03/2022 - 17:14
      +1

      No offset on this product and under 80% its the same rate.

  • nix1016 on 08/04/2022 - 12:08

    What's the rate on P&I for investment properties?

  • Store RepAdrian Player @ Integral Loan Solutions on 08/04/2022 - 23:01

    2.49% investment p&i up to 80% lvr with access to redraw st george

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