Variable rate loans are the most common and generally most flexible option for borrowers.  The rate is subject to rate changes by the Reserve Bank of Australia.

Features generally available with variable rate loans include, redraw, the ability to make extra repayments without penalties and interest offset accounts.

Some loans allow you to borrow up to 100% of the purchase price of the property.

A fixed rate loan will give borrowers the certainty of knowing what their repayments will be for a fixed period of time, regardless of Reserve Bank rate changes.

Some fixed rate loans have less features than those with a variable rate, but we offer a range of fixed rate loans with the flexibility of a variable.

A line of credit is a good option for borrowers who are responsible with their finances and are able to manage a budget well.

You are able to access your money through credit card, cheque and EFTPOS.  A line of credit is a good option if you are planning on accessing the equity in your property.

Lo Doc loans are a good option for self employed borrowers who are unable to provide extensive income evidence.  Generally borrowers must have been self employed for a minimum of two years, however there are some options for those who are only newly self employed.

There are variable, fixed and line of credit options available for self employed borrowers.

An interest only loan is a good option for those investing, or those wishing to pay less in the first few years.  As the name suggests, you will be paying only the interest charged and the principal of the loan will not reduce.

These loans are available in fixed and variable options.