Term loans

• Wide variety of interest rate options available.
• Choice of weekly, fortnightly or monthly repayment plans.
• Ability to access extra repayments through redraw.
• Choose principal and interest or interest only repayments for your loan.

Variable rates

• Offers great flexibility with the option to pay additional funds into your mortgage at any time.
• Allows you to take advantage of an interest rate decrease, as repayments and interest charges change with economic conditions.
• Switch to a fixed rate at any time.

Fixed rates

• Ideal if you'd like the security of knowing what your repayments will be for the fixed period.
• Option of terms from 1 to 5 years.
• Repay up to $20,000 extra per year without penalty.

Get the best of both worlds

• Combine security and flexibility by splitting your loan between fixed and variable interest rate portions.
• For even greater flexibilty, split between term loans and HomeBuyer Power.