Business Owners' Loan Package

Put your banking, borrowing and investments in one tidy package

If you own a small bsuiness and have an eligible St.George Home Loan, add one or more of the products featured below and you’ll make some great savings! The Business Owners’ Loan Package suits businesses that can provide residential property as security and offers a business loan solution along with your everyday banking needs. There are a range of benefits on your choice of a BusinessVantage Visa Credit Card, EFTPOS terminal or Insurance.

Up to 0.70%p.a. off¹ Standard Variable or Portfolio Loan Variable rates.
$0 Annual Fee² on your BusinessVantage Visa Credit Card for up to 3 cards – Save up to $165 a year.
$0 Establishment Fee⁴ on your EFTPOS terminal – Save $77
10% off your total premium⁵ on Insurance

Features

Eligible St.George Home Loan

With a St.George Portfolio Loan you have the foundation to start building your package. It gives you access to one overall credit limit that you can use for all your business, personal or investment needs. It allows you to have up to 10 separate sub-accounts, each with its own credit limit and each at home loan rates.
Up to 0.70%p.a. off¹ Standard Variable or Portfolio Loan Variable rates

BusinessVantage Visa Credit Card

Facility limit of up to $10,000 and up to 55 days** interest-free on your purchases to help pou manage cash flow
$0 Annual Fee² on the first 3 cards

EFTPOS

Give your customers more payment options and team it with your Everyday Business Transaction account for same day settlement on your transactions³
$0 Establishment Fee⁴

Insurance

Insurance can help protect you and your business from the unexpected, and when you choose it as part of your package you’ll get great savings on Death Cover, Total Permanent Disability Cover, Recovery Benefit, Disability Income Protection Benefit, or Business Expense Benefit.
10% off your total premium⁵

Additional benefits

Free online legal and taxation advice* for tax and accountancy issues specific to your business
Business SMS and Email Alerts^ to keep track of account balances, deposits and withdrawals.

Access

Account access

Instant access to funds
Internet and Phone Banking and BPAY^®

Find out more

Find out more about a Business Owners' Loan Package by calling 1300 781 605 8am - 6pm (AEST), Monday to Friday

Visit a branch

Find your nearest branch

Terms & Conditions

This information is current as at 1 December 2008 and subject to change without notice. Any of the offers may be withdrawn at any time without notice.

The Business Owners’ Loan Package is available to Australian businesses that acquire or upgrade to an eligible home loan and also hold a BusinessVantage Visa credit card, an EFTPOS facility and/or an eligible insurance policy. Business Owners’ Loan Package benefits will cease where a business ceases to hold 2 or more eligible products or where total exposure exceeds $1 million. Where you hold a Business Owners’ Loan Package:

Interest rate discount applies to a $250,000+ loan amount. Not available on No Deposit loans. All applications for finance are subject to St.George Bank’s prevailing credit criteria. Full details of the terms and conditions and interest rates are available on request.
$0 annual fee on the BusinessVantage Visa Credit Card applies for as long as you also hold an eligible home loan as part of your package. Other terms and conditions, fees and charges apply, full details available on request. All applications for credit are subject to approval under the Bank’s prevailing credit criteria. Up to 3 cards per facility/package at no additional charge, any additional cards will incur an annual card fee.
Subject to systems availability and maintenance.
Offer only applies to merchants when taken with a new or existing eligible home loan as part of the Business Owners’ Loan Package. Other terms and conditions, fees and charges apply, full details available on request. All applications for a St.George payment solution are subject to approval under St.George Bank’s prevailing credit criteria.
The insurer is St.George Life Limited. A Product Disclosure Statement (PDS) is available at any St.George Bank branch. You should consider the PDS before you decide to buy the policy. St.George Bank Limited and other members of the St.George Group do not guarantee payment of the insurance policy benefits.

^SMS Alerts cost 25 cents each and email alerts are free.

*The legal and taxation advice referrals benefit allows a customer holding a Business Owners’ Loan Package to contact professional lawyers or accountants nominated by St.George for advice at no charge to you. A maximum of 3 contacts can be made in relation to any one issue. After the third contact you may either engage the legal or accounting advisers at your cost or obtain other legal or accounting services at your cost. These services are provided by third parties for which St.George accepts no responsibility and are available via email only.

**55 days interest free on purchase only on accounts paid in full by the due date. Interest free period does not apply to cash advances or any other purchases while an amount has not been debited as a result of a balance transfer remains unpaid.

St.George Bank Limited ABN 92 055 513 070 AFS Licence No. 240997.

BPay® is a registered trademark of BPay® Pty Ltd ABN 69079137518