- Fixed and variable rates
- Flexible repayments
- Offset facility and multiple loan split
- Redraw facilities
- Visa Debit card
- Online access available
This is available for owner-occupiers and investors, looking to purchase or refinance residential property. Available to clear credit, full documentation for individuals, companies, or trusts.
Easy Refinance is available for seasoned loans over 12 months old where we’re reducing the interest rate and repayment.
Full features
Loan features
- Loan purpose: Residential – Owner-Occupied or Investment
- Interest rate type: Variable, fixed
- Repayment type: Principal and interest or Interest only
- Maximum loan term: 30 years
- Maximum LVR*: 95% (including LMI)
- Maximum loan amount*: $3,500,000
- Minimum loan amount: $50,000
- LMI applicable: >80% (Payable in full at settlement OR capitalised within the product LVR and loan amount)
- 80% of rental used (70% for holiday accommodation) (Investment Only)
- Construction: Yes
Borrower
- Offset facility available
- Optional redraw facilities
- Visa Debit card available
- Multiple loan split option
Repayment features
- Repayment frequency: P&I (weekly, fortnightly and monthly options available). IO (monthly)
- Transaction functionality: Unlimited transactions via internet, phone, BPay, debit card, ATM
- Make additional payments: Unlimited on variable rate splits. $20,000 p.a. for fixed rate splits
- Repayment method: Salary credit/direct debit
- Cash out / Equity Release available:
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- > 90% LVR (cash out not available)
- >80% and ≤ 90% LVR (limited to 20% of security value)
- ≤ 80% LVR (unlimited)
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Calculator
Loanapp
All applications must be submitted via Loanapp
