This home loan is a line of credit which uses the equity in your home or investment to allow for flexibility and easy access to your funds.
 | Line of credit can be linked to your savings account |  |
| Credit your payroll to your loan and you can use the funds as needed | |
| Choose an affordable limit to suit your needs | |
| Also suitable for investment purposes e.g. Shares Portfolio | |
| No transaction fees for the life of your home loan^ | |
| No monthly account keeping fees |
| Key Features | |
| Variable interest rate | View our interest rates |
| Minimum amount | $0 |
| Maximum amount | $1,000,000 |
| Loan period | Up to 30 years |
| Repayments | Monthly / Fortnightly / Weekly |
| Interest charges | Calculated daily, charged monthly |
| Monthly account keeping fees | No |
| Annual fees | No |
| Flexible and lump sum repayments | Yes |
| Split with other loans | Yes |
| Loan repayment insurance available | Yes |
| Early repayments fees | Yes (only within the first 5 years) |
| Establishment fee | $350 |
| Pre-approved $5,000 Visa Credit Card* | Yes |
| Loan top-up facility available | Yes |
| Redraw facility | N/A |
| Pre-approval - we can approve your loan in advance | Yes |
| Free mobile lending service** | Yes |
| No transaction fees for the life of your home loan^ | Yes |
More Information
- Read the benefits of our Mobile Mortgage Lending Service
- Read the benefits of our Home Loans
- Need answers? Read our list of FAQs
- Use one of our Loan Calculators to work out what loan is right for you
Apply
Apply for a Home Loan 
Questions?
If you have any questions, please contact us 
*Terms, conditions, fees, charges and credit criteria apply.
**This service is available in metropolitan Sydney, Newcastle and the Hunter region
^The 'no transaction fees' offer only applies to accounts held in the same membership number in which the mortgage is held. This offer is not available to memberships with Commercial Loan accounts. Fees charged by a third party supplier will still be payable. See our Fees and Charges for full details. Excludes any non-value ATM/EFTPOS fees. Fee exemption does not apply to fees and charges applied directly to accounts by other parties or institutions.
