Features & Benefits

Extensive range of reasons to take up this loan:

• Owner Occupier or Investment Property purchase

• Refinance less attractive mortgage facilities and other loans

• Debt consolidation and aquisition of major family items

• Any worthwhile purpose

Registered first mortgage over Owner Occupied and Investment residential properties

We will lend up to 95% of property value, subject to acceptance by Lenders' Mortgage Insurers, (95% is also selectively available for Refinancing and Investment loans).

• Variable rates

• Line of Credit (which may be combined with the above)

• Interest is calculated on the daily outstanding balance and debited monthly in arrears

• Mortgage stamp duty where applicable

• Valuation fee (usually $220) 

• Registration of new mortgage (and discharge of existing mortgage when re-financing)

• Mortgage documentation costs, title search fees and minor legal disbursments

• Lender's mortgage insurance payable where loan to valuation ratio exceeds 80%

• Discharge fees will apply when loan is repaid

• Break costs may be incurred where fixed interest rate loans are repaid before expiry

• No Loan Application fees charged

• Redraw facility at no charge (excluding construction loans)

• Principal and interest or interest only loans

• Weekly, fortnightly or monthly payments via salary deduction or direct debit

• Separate loan accounts can be established under the one mortgage package

• Access loan account data including redraw through this website or by telephoning our Loan Service Line.