A lot of changes from STG....but i'll summarize... Owner Occupier 1. LVR 80-85% LMI refund offer for new Owner Occupier home loans - Ie No LMI at 85% for purchase and refin. 2. $2000 cashback for Owner Occupiers purchasing or refinancing their own home 3. Fixed rate decreases on Owner Occupier home loans by up to 0.30% Investment 4. Standard variable interest rates on our residential investment property loans for new and existing customers will increase by 0.25% to 5.79% for St.George; effective 21 August 2015. 5. Fixed rates on residential investment property loans will also increase by up to 0.30%, effective 4 August 2015.