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Getting the most from your home loan is easy when you understand how to use the features of your mortgage to your advantage.

Family pledge

Your family can help you into your first home with Family Pledge.

More about Family pledge

Rate lock

Lock in an advertised fixed rate with Rate Lock.

More about Rate lock

Split loan option

Splitting your loan, part fixed, part variable with the Flexible Choice option.

More about Split loan option

Interest offset

Our interest offset facilities, can make your savings work harder, by ‘offsetting’ them against your home loan.

More about Interest offset

FAQs

Variable rate

Advantages:

  • Provides additional features such as unlimited additional repayments, unlimited redraw (up to the amount of additional repayments) and full interest offset.
  • No break costs in the event of early repayment.
  • If interest rates decrease, repayments will also decrease.

Things to consider:

  • If interest rates rise then repayments will increase.

Important information

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this general information, please consider if it’s right for you. If you need help, call 13 13 76.