St.George home loans come from St.George Bank, a division of Westpac Banking Corporation with roots in Sydney’s southern suburbs going back to 1937. St.George is also one of the lenders on the Ingram Financial panel. This page is a factual profile to help borrowers understand who St.George is and where its home loans may fit. However, it is not a rating, an endorsement or a recommendation.
St.George at a Glance
| Item | Detail |
|---|---|
| Lender type | Brand and division of Westpac Banking Corporation (not a separately licensed bank) |
| Owned by | Westpac Banking Corporation, since the 2008 merger |
| Founded or established | 1937 as a co-operative building society in Hurstville, Sydney; became a bank in 1992 |
| Headquarters | Sydney (Kogarah) |
| Regulated by | Operates under Westpac’s APRA banking authority and Australian credit licence |
| Listed on the ASX | Not separately; parent Westpac Banking Corporation is listed (ASX code WBC) |
| Home loans for | Owner-occupiers, investors, first home buyers and self-employed borrowers |
We checked these details in September 2026 against St.George’s own website and independent sources such as ABC News coverage of the 2008 Westpac merger.
Ownership and History of St.George
St.George began in 1937 as a co-operative building society serving the Hurstville community in southern Sydney. Over the following decades it grew into one of the largest building societies in New South Wales, with its base in Kogarah.
St.George later obtained a banking licence in 1992 and became St.George Bank. In 2008 it merged with Westpac. The merger took effect on 1 December 2008, and St.George then became part of Westpac Group.
Today St.George is a division of Westpac Banking Corporation and operates under Westpac’s banking authority and credit licence, rather than holding its own. In 2011 Westpac rebadged St.George’s Victorian branches as Bank of Melbourne, so the St.George brand is now most visible in New South Wales and other states.
You can read more about the parent on our Westpac profile.
Where St.George Home Loans May Suit
Overall, based on what St.George publishes and what independent sources confirm, St.George home loans may suit:
- First home buyers. For example, St.George’s Family Pledge lets an eligible family member use equity in their home to guarantee part of the loan, which can reduce or avoid LMI in some circumstances. St.George also participates in government first home buyer schemes. See our first home loans page.
- Self-employed borrowers. St.George offers self-employed applicants the same home loans as salary earners, with assessment options that may reduce the paperwork for eligible applicants, subject to lender criteria. See self-employed home loans.
- People building or renovating. St.George’s building loan option releases funds in stages once construction reaches each milestone, and you can use it with a contract builder or as an owner-builder. See construction loans.
- Owner-occupiers and investors who want a major bank group’s products with a separate brand and branch network, concentrated in New South Wales.
- Clients who prefer to apply through a broker. You can arrange a St.George home loan through a mortgage broker as well as online, by phone or in a branch.
Home Loan Types St.George Offers
St.George’s own website and independent industry sources confirm the following home loan types. Product names and features change, so ask us for the current range.
- Owner-occupied home loans, with variable and fixed rate options
- Investment property loans
- Building loan option for construction and renovation
- Refinancing from another lender
- First home buyer loans, including Family Pledge and government scheme options
- Home loans for self-employed borrowers
Getting a St.George Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare St.George with the other lenders on our panel.
Shannon Ingram compares St.George home loans with the rest of the panel, looking at your goals, income and deposit first, and then at which lender fits. In the meantime, to see current St.George products, use the lender filter in our comparison tool. When you are ready, contact us or book a free chat below. We help clients across the Sutherland Shire in person, as well as across Australia by phone and video.
St.George Home Loan FAQs
St.George is a banking brand and a division of Westpac Banking Corporation. It became a bank in 1992, merged with Westpac in 2008 and now operates under Westpac’s banking authority.
Westpac Banking Corporation. The merger between Westpac and St.George took effect on 1 December 2008.
St.George began in 1937 as a co-operative building society in Hurstville, in Sydney’s south, and later grew from its Kogarah base.
Yes. St.George home loans are available through mortgage brokers, so Ingram Financial can compare St.George with the other lenders on our panel.
Yes. St.George’s Family Pledge lets an eligible family member use equity in their own home to guarantee part of the loan. However, conditions apply and guarantors take on real obligations.
Ingram Financial has no ownership ties to St.George. St.George is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.