Standard Variable Rate - These loans typically offer you maximum flexibility and great features, including the option to fix or split your home 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.
Basic Variable Rate - These 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.
Fixed Rate - These 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 of the home loan.
Combination or Split Rate - These loans combine the flexibility of a variable rate and the certainty of a fixed rate, so you benefit when interest rates drop, and are protected when they increase
Home Equity Loans - These 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 - These 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.
All in One Loans - These 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 much more effective for you.
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