Offer all the bells and whistles available with maximum flexibility.

Offer you a no frills home loan on a lower / discounted rate, with fewer features. Most come with penalties for discharging the loan in years 1, 2 or 3.

Great for security, protecting you from upward movements in rates for an agreed length of time. However, you won't benefit when rates drop and if you need to discharge you loan during the fixed rate period there may be an additional economic cost.

Combination or split rate home loans offer 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.

Allow you to unlock the equity in your existing home. They allow you to use the equity in you home in a manner similar to a credit card. A limit of the facility is set, and is only drawn when you require it.

Offering you an account that works against your variable rate mortgage, reducing the interest you pay on a daily basis. Offset loans work best for prudent budgeters.

For those building a home or renovating an existing home, we can arrange a construction loan
for you.

These loans are available to self-employed applicants for investment purposes. Evidence of income and asset/liability positions is not required. These loans attract a higher interest rate.

Applicants who do not meet the 'standard' lending criteria may elect a non-conforming loan. These are typically for applicants with an impaired credit history, are unable to provide the required documentation in support of their home loan, or wish to borrow more than 100% of the property value.