Depending on your changing needs and circumstances, your current home loan may no longer be working for you. What do you need from a home loan?

• Standard Variable Rate: You want flexibility with a full range of features.
• Professional Package's: You want an all-in-one package that offers savings on your home loan, credit card and transaction accounts.
• Portfolio Loan: You want to create wealth to secure your future.
• Fixed Rate Home Loan: You want to budget for the future with confidence.
• Basic Home Loan: You need a straight forward, easy-to-use home loan.
• Renovation Home Loan: You need a loan you can draw down in stages during the renovation of your home

The market is changing but you've had the same home loan for years; maybe you're starting to think you could do better. Knowing all the refinancing costs before you commit can be a make or break situation.

There are additional fees you may be charged for repaying a loan early, including discharge fees or early termination fees as well as break costs if you are currently on a fixed interest rate home loan. Make sure you ask for a full breakdown from your current lender and factor these costs into your decision.

Speak to one of our Mortgage Consultants to see how we can help find the right home loan for you.

Do you know how much equity is lying around in your home? If you're thinking of increasing your home loan so you can renovate or perhaps go on a family holiday, your borrowing power could be right under your nose.

A Line of Credit is a simple loan to access your equity.

You may be able to borrow up to 80% of the value of your home without Lenders Mortgage Insurance. And it may be a simple 'top up' to your current home loan.

For an indication of how much you may be able to borrow speak to one of our Mortgage Consultants.

If a home makeover is on the cards then you could have an easier job ahead of you than building from the ground up or moving altogether. However you'll still need funds to get the job done.

A Line Of Credit is a simple way to borrow money to complete the home refurbishment.

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