“It all starts with the right loan”
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Popular with first home buyers, a ’no frills’ basic home loan with a low interest rate.

• Interest rates are often half to one per cent below the standard variable rate.
• Limited features and less flexibility.

Good option for the self-employed or contractors with irregular incomes who may find it difficult to secure a mortgage.

• May have higher interest rates
• You may also have to pay Lenders’ Mortgage Insurance or other fees.

Popular mainstream choice with all the "bells and whistles". 

• You make regular repayments based on the current interest rate; effective if rates do not rise.
• Should interest rates increase your regular mortgage repayments will rise.
• An offset account can be used to help repay your loan quicker.

Allows you to fix your interest rate, offering stability in times of economic uncertainty.

• Fixing your interest rate for a specific period gives certainty to regular repayment amounts.
• Should interest rates fall you’ll still need to repay your mortgage at the agreed fixed rate.
• This can be combined with a variable rate to "hedge your bets" regarding rates.

A line of credit works like an overdraft or "a credit card with more zeros on the end".

• You only pay for what you use.
• Ideal for the Investor or Self Employed.

Interest only loans offer borrowers lower repayment options. A popular choice for investors.

• Pay only the interest on your mortgage.
• Repayments do not reduce the starting value of your mortgage.