Home and Investment Loans
Standard variable
These typically offer maximum flexibility and great features including the option to fix or split your loan,the ability to also make extra re-payments when you can afford it and the option to redraw these funds for any purpose.
Basic variable
Offers a lower interest rate but fewer features. However you usually have the option to pay for additional flexibility and features when you need them. If you can handle budgeting well this is an excellent choice to assist you with clearing your loan quickly.
Fixed rates
Can protect you against rises in interest changes for a fixed term. So you will have peace of mind knowing that your repayments will be for a fixed period of time (note this can also have the opposite affect if the variable rate reduced during the fixed rate period).
Combinations/split loans
These combine the flexibility of a variable rate and the certainty of a fixed rate so you will get the benefits when rates drop and are protected when they increase.
Non Conforming loans
Designed especially to help borrowers who do not meet standard lending criteria such as those who have an impaired credit history or are unable to provide the required documentation in support of their loan application, or wish to borrow up to 95% of residential property value.
Home equity loans
Allow you to unlock the equity in your existing property for other opportunities such as renovating your home, Investing in shares or managed funds or financing an investment property.
Line of credit
Interest only variable rate loan that allows you to borrow against the equity in your home to be used as a transaction account for added flexibility.
All in one
Features as an everyday transaction account linked with your home loan by keeping all your money in your loan account, only redrawing your living expenses as needed. You can reduce the amount you owe and in turn this reduces the amount of interest you will need to repay making your money work harder.
Time out Home loan
With recent interest increases, wouldn't you like to use the equity in your home to reduce your payments for 2 years. If you have 20% equity or more in your home and are not in arrears. This loan product would be a very powerful financial tool for you.
PAYG LO DOC LOANS NOW AVAILABLE
REPAYMENT CALCULATOR
Phone (02) 4227 1411 •
