St George have some great niches which appeal to a wide range of clients. We look at a range. Starting with Apportioning policies. This is where borrowers with joint expenses and commitments with a spouse who is also a non-applicant can be assessed on the borrower's portion of any joint expenses and commitments, based on their income as a percentage of the total household income, instead of the declared percentage.

For self employed clients St George will use Salary from own business, Company dividends, Trust distributions. Partnership distributions, Rental income rather than business profits and addbacks for servicing. Their industry specialisation is very broad. Eligible Accounting & Legal professionals could also borrow up to 90% with no LMI. The qualifying professionals' gross taxable income must be a minimum of $120,000 per annum from the customers qualification. If the application contains multiple qualifying professionals, the combined minimum gross taxable income of$120,000 per annum must be met. Accountants, Actuaries, Auditors, Chief Financial Officers, Barristers, Judges, Lawyers, Solicitors. Medical occupations eligible for 90% LVR LMI waiver with minimum income threshold of $90,000 per annum from the applicant's qualification Audiologists, Chiropractors, Midwives, Registered Nurses, Occupational Therapists, Osteopaths, Physiotherapists, Podiatrists, Psychologists, Radiographers, Sonographers, Speech Pathologists, Optometrists, Pharmacists, Veterinary Practitioners.

First home buyers are looked after. The Australian Government 5% Deposit Scheme is an initiative to support eligible home buyers. The Scheme is administered by Housing Australia on behalf of the Australian Government. Criteria (as of 1 October 2025). Minimum deposit of 2-5% (2% for single parents), Borrower must be Australian citizen or Permanent Resident, No income cap and unlimited places.

Family Security Guarantee. Family Security Guarantee loans are available for owner occupier and investment purchases where borrowers do not have ownership in any other property, with no servicing on guarantors

Customer and their family members must seek independent legal advice and understand the risks and exclusions associated with guarantee before proceeding.

A St George relocation loan is a short-term financing option used to bridge the gap between the purchase of a new owner-occupied residential property and the sale of an existing owner-occupied residential property. Is on a variable rate and is available for up to 12 months. Available for new and existing home loan customers. A Relocation Loan requires a minimum of two security properties to be offered. The property to be sold and the property to be purchased.