St.George · refinance cashback
Checked 22 September 2026.
St.George has no refinance cashback on its own refinance page as at 22 September 2026. Bank of Queensland ($2,000), ME Bank ($3,000), IMB Bank ($4,000), Greater Bank ($3,000), Newcastle Permanent ($3,000), Great Southern Bank ($3,000), Police Bank ($3,000), BankVic ($3,000), Woolworths Team Bank ($3,000), Beyond Bank ($2,000), Credit Union SA ($2,000) are paying one. We read St.George’s own page on 22 September 2026 and quote it below.
St.George’s own offer pageFrom the page we read, so you can check us.
St.George
“Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne and BankSA.”
A cashback is a one-off payment against a loan that runs for decades. On a $600,000 loan, a rate 0.20 percentage points above the best available costs about $1,200 a year, so $2,000 is spent inside 20 months and the dearer loan is yours for the rest of the term. Where St.George’s rates sit against every lender on the panel is on the rate monitor, and the refinance page does the sum for the balances people ask about.
What it does cover is the cost of leaving your current lender: a discharge fee, two titles office fees and St.George’s setup fee, together $700 to $1,500. The discharge pageshave each lender’s form and fee, including St.George’s.
Who else is paying, as at 22 September 2026.
No, not as at 22 September 2026. We read St.George's own refinance page and it carries no cashback. Its page says: "Excludes internal refinances and switches within the Westpac Group, which includes Westpac, St.George, Bank of Melbourne and BankSA." Bank of Queensland ($2,000), ME Bank ($3,000), IMB Bank ($4,000), Greater Bank ($3,000), Newcastle Permanent ($3,000), Great Southern Bank ($3,000), Police Bank ($3,000), BankVic ($3,000), Woolworths Team Bank ($3,000), Beyond Bank ($2,000), Credit Union SA ($2,000) are paying.
Only if the rate behind it is competitive. On a $600,000 loan a rate 0.20 percentage points above the best available costs about $1,200 a year, so a $2,000 cashback is spent inside 20 months and the dearer loan is yours for the rest of the term. Use it to cover the switching costs on a rate that is already good, not to justify a rate that isn't.
Yes. Bank of Queensland pays $2,000, ME Bank pays $3,000, IMB Bank pays $4,000, Greater Bank pays $3,000, Newcastle Permanent pays $3,000, Great Southern Bank pays $3,000, Police Bank pays $3,000, BankVic pays $3,000, Woolworths Team Bank pays $3,000, Beyond Bank pays $2,000, Credit Union SA pays $2,000 as at 22 September 2026. The full table is on the cashback page.
Checked against St.George’s own page on 22 September 2026. Offers are withdrawn and changed without notice; if something here doesn’t match what they’ve told you, theirs is right and we’d like to know. A cashback is a promotion, not credit advice. Arthr Pty Ltd provides marketing and lead-generation services only; credit assistance is provided by 1st Street Pty Ltd, Credit Representative 490057 under Australian Credit Licence 389328.
A broker at 1st Street can tell you what rate sits behind the offer, and whether another lender beats it once the cashback is spent.