There are home loans for everyone’s individual needs.
The goal here is to match the benefits of a specific loan
type with your goals for refinancing.
| Standard Variable Rate |
Standard Variable Rate loans typically offer you maximum
flexibility and great features, including the option
to fix or split your loan, the ability to make additional
repayments when you can afford to, and the option
to redraw these funds for any purpose when you need
to.
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| Basic Variable Rate |
Basic Variable Rate loans offer a lower interest rate,
but fewer features. However, you usually have the
option to pay for additional flexibility and features
when you need them.
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| Fixed Rate loans |
Fixed Rate loans protect you against interest rate
changes for an agreed time, so you have peace of mind
knowing your repayments won't increase. However, you
won't benefit if rates go down during the fixed term.
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| Combination or Split
Rate loans |
Combination or Split Rate loans combine the flexibility
of a variable rate and the certainty of a fixed rate,
so you benefit when rates drop, and are protected
when they increase.
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| Non Conforming Loans |
Non Conforming Loans have been designed especially
to help borrowers who do not meet 'standard' lending
criteria, including those who have an impaired credit
history, are unable to provide the required documentation
in support of their loan application, or wish to borrow
more than 100% of the property value.
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| Home Equity Loans |
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.
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| Line of Credit loans |
Line of Credit loans are interest only variable rate
loans that allow you to borrow against the equity
in a home with the added flexibility of a transaction
account built into the home loan.
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| All-In-One Loans |
All-In-One Loans feature an everyday transaction account
linked to your home loan. By keeping all your money
in your loan account, and only redrawing your living
expenses as you need to, you can reduce the amount
you owe. This, in turn, reduces the amount of interest
you have to repay, making your money work harder for
you.
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