Standard Variable Loan

Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to, and the option to redraw these funds for any purchase when you need to.

Basic Variable Rate Loan

Basic Variable Rate loans offer a lower interest rate, but fewer features. However, you usually have the option to pay for additional flexibility and features when you need them

Fixed Rate Loan

Fixed rate home loans offer a fixed interest rate for a set period of time. Because of this, repayments remain the same for the duration of the fixed rate period. At the end of the fixed period, you may have the option to switch to a variable rate loan or negotiate a new fixed rate.

Non-Conforming Loans

Offered by specialist lenders, a range of mortgage alternatives to people who fall outside the lending criteria of traditional lenders.

Combination or Split Rate Loan

A split or combination loan brings together the benefits of variable and fixed interest rates into a single home loan. The loan can be split many ways. Split loans are useful in times of economic uncertainty, particularly when interest rates are rising. By splitting a loan, borrowers can hedge against the risk of higher rates whilst still keeping part of their loan at the lower variable rate. 

Line of Credit

A line of credit home loan is a credit facility secured with a mortgage on a residential property. Similar to a credit card, they allow you to withdraw funds up to a set limit at any time. Repayments can be made in full or on a monthly basis. This type of loan can be used to purchase most types of property, from the family home to an investment property. As long as you make the minimum monthly repayments, you can use the line of credit to carry out renovations, invest in shares or pay the bills

Low Documentation Loan

Low Doc is a simple, quick and comparatively trouble-free finance product called a lo-document loan or lo-doc loan for short. This type of loan caters mainly for self-employed borrowers who are unable to provide full financial statements and other evidence of their income.

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