Numbers that speak for themselves.





Flexible Home Loan
New Owner Occupier, Principal and Interest

What are you here for?

Do the maths.

We've got a whole crate of home loan calculators to help you min/max your loan options.

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Borrowing power

Find out how big a slice you can borrow based on your earnings.

Serve it up

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Loan repayments

Tinker with the options and suss out your potential repayment amounts.

Get tinkering

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Extra Repayments

Get a taste of what your repayments will work out to be should you ever increase them.

Lick your loan

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Help and

  • Early repayments

    If you choose a variable interest rate, you can pay it off as early as you want, with no penalty at all. If you have a fixed interest rate (including as part of a split loan) you can make extra repayments at any time up to $30,000 during the fixed interest rate period. Get more info here on making early repayments.

  • No application fees

    The world could use less fees – which is why we don’t charge any application fees on our home loans. Fair warning though: there are other fees that do apply, like solicitor, valuation and agent fees. If you want to be free of all fees purchase a Member Package with a Flexible Home Loan for an annual fee of $395. Find out more here.

  • Fastest redraw in the west

    Our redraw feature is pretty handy. If you’re ahead on your repayments, you can redraw cash within one business day, completely fee free (minimum redraw is $500). Find out more here.

  • Top up your loan

    Renovating? Planning a trip? You could top up your home loan to the tune of $20,000 or more to get the extra cash. It costs $250 to apply for a top up to your home loan, but this fee is waived if you have purchased a Member Package with your Flexible Home Loan. Find out more here.

Contact us.

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Got home loan questions? Give us a call on 13 15 63 and we’ll help you out.

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Step up your finance game.

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Looking to get the jump on the housing market? Sign up to our regular article series for tips, tricks, and strategies on finding and buying the right property.

the legal stuff.

  1. (1) Interest rate is current as at 21-Oct-2017 and is subject to change. A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates. 

  2. (2) This Comparison Rate based on a loan size of $150,000 for a term of 25 years. This comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to less than $400,000.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Terms, conditions, fees and charges apply. Applications are subject to credit approval.