Flexible features

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A home loan with flexible features gives you a range of options, from making extra repayments to reducing your repayments when your circumstances change.

See which home loans have the features you need

Extra repayments Make as many as you like to reduce interest payments.

100% offset It's where every dollar in your transaction account reduces the balance in your loan on which home loan interest is calculated.

Redraw Access any extra money you've built up in your home loan, for any purpose at any time.

To activate your redraw facility fill out the Redraw Authority form (PDF 58kb).

Top-up Increase the limit on your existing loan.

Parental leave Reduce your repayments by up to 50% for as long as 6 months when a new baby comes along.

Repayment holiday If you've built up extra funds in your home loan you can stop making repayments for a while.

Portability Take your home loan with you when you move to another property.

Interest only Pay the minimum repayments for up to 10 years.

Construction Allows you to make progress payments to builders.

Honeymoon period A reduced interest rate for the first year of your loan.

SmartPay Lets you deposit all of your income into your loan account. You can then arrange automatic transfers to pay your bills and access regular cash deposits. Every day that you have extra money in your loan saves you interest.

To activate your SmartPay facility fill out the SmartPay Authority form (PDF 188kb).

Low Doc If you're self employed, you don't need a standard income verification to apply.

Direct Debit You can set up a direct debit to have your loan repayments automatically withdrawn from a nominated account, so you never miss a payment.

To set up Direct Debit fill out the Direct Debit form (PDF 84kb).

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Extra repayments	Make as many as you like to reduce interest payments.
100% offset	It's where every dollar in your transaction account reduces the balance in your loan on which home loan interest is calculated.
Redraw	Access any extra money you've built up in your home loan, for any purpose at any time. To activate your redraw facility fill out the Redraw Authority form (PDF 58kb).
Top-up	Increase the limit on your existing loan.
Parental leave	Reduce your repayments by up to 50% for as long as 6 months when a new baby comes along.
Repayment holiday	If you've built up extra funds in your home loan you can stop making repayments for a while.
Portability	Take your home loan with you when you move to another property.
Interest only	Pay the minimum repayments for up to 10 years.
Construction	Allows you to make progress payments to builders.
Honeymoon period	A reduced interest rate for the first year of your loan.
SmartPay	Lets you deposit all of your income into your loan account. You can then arrange automatic transfers to pay your bills and access regular cash deposits. Every day that you have extra money in your loan saves you interest. To activate your SmartPay facility fill out the SmartPay Authority form (PDF 188kb).
Low Doc	If you're self employed, you don't need a standard income verification to apply.
Direct Debit	You can set up a direct debit to have your loan repayments automatically withdrawn from a nominated account, so you never miss a payment. To set up Direct Debit fill out the Direct Debit form (PDF 84kb).