St George are a terrible, incompetent, disgustingly bad bank to deal with. I have 3 home loans with them and after only 10 months I cannot stand the terrible service and constant issues so I'm changing banks. They are nothing short of a nightmare.
Recently refinanced with St George bank. The staff could not have been more helpful or more friendly if they tried. I received help setting up the account and scheduled payments and insurance policies. They made sure afterwards that I was happy with my service. I also had to wait an extra 10 minutes as they were running late for my appointment and I received a voucher to the local coffee shop to go and get a coffee while I waited.
There are reasons I have become a long term customer with St George. We have had a number of home loans (refinancing, moving homes) and always find them to be easy to deal with, and have the personal touch that many big banks are lacking.
The arrogance and contempt of the team at St George is bewildering and incredibly disappointing - the GM makes creative writing look like a breeze when he describes on his profile page what StGeorge stand for, it really is a great example of ambition exceeding actual ability, an example of tainted and inflated views of frontline experiences! Absolute disgrace. The incompetencies and emotional ineptness of staff resulted in a bungled settlement meaning our 38 week pregnant daughter (who cares for rescue animals) was reduced to camping in a tent and continues to do so. Thanks St George you not only have created enormous stress and emotional damage - but you have also put the health of family including our unborn grand child at risk. Trust team at St George sleep well, because that is certainly something we are unable to achieve. Shame.
It’s a shame they have closed the branches but so many banks have as well.
We took up a refinance option and transferred our loan from another bank. We received an excellent interest rate and cash back. Very happy with application process and online account.
I received excellent service all over the phone when setting up a new basic home loan.
The service and processing time to set up our home loan was fantastic and fast. We took the basic home loan and were told it would always be their base level home loan rate for variable products. Now they are offering NEW customers $4K to come to them and they offer the same product with a "special" 0.20 discount. They use their home loan contract to offer different discounts to different customers, so a basic home loan as advertised on their web site is not the same for each customer, and as rates drop they are not giving them to existing customers. The best part is we are now leaving them for a competitor and getting a rate 0.50% below their NEW basic home loan rate so we will be $3240.00 per year better off, after they paid us $4K to come to them only a year ago. Strange business model.
Online platform is easy to use. I live remotely so without a St. George bank I can use a BankSA. Great customer service but perhaps could be more proactive re home loan interest rates.
We first got a family pledge home loan (2006) which had minimal choices (compared to now), but helped us get our first home. They’ve helped us each time we’ve fallen behind (due to no work, no pay for maternity leave, etc). Have been fantastic overall.
I have been with St George all my life. I have had a home loan and all my savings and credit cards with them. My fiancé’s business banking is with NAB. We have just moved all business and his home loan over to St George. Can’t fault them.
St.George bank has a very user friendly website for home loan access to all home loan details. Call centre is in australia so you deal with local people. Cons - a little slow to drop rates & is about mid way with all the banks re-competitive rates.
The process has been anything but seamless, every step of the way there has been a problem that I have had to deal with and follow up with multiple phone calls and emails with little to no response most of the time. They have stuffed up every payment made to the builder so far. I had to pay extra on the day of settlement, 2 hours prior or my land wouldn't have settled and if it wasn't for the fact I was friends with my settlement agent I wouldn't have known there was an issue as my St.George banker's response to my settlement agent when advised of the short fall was "I have to go into a meeting", all because they couldn't get their calculations right to begin with. Then when it was discovered they owed me money it took constant following up to get the money back only to find they had done it as a loan advance and now I am paying interest on money that I shouldn't of had to part ways with in the first place. I would not recommend anyone to go with this bank when looking into house finance.
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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