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: 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 lenders to see how we can help find the right home loan for you without breaking the bank.

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.

Our Line of Credit Calculator can show you the time and interest you can save with different loans.

You may be able to borrow up to 80% of the value of your home without Lenders Mortgage Insurance. And if you're already a bank customer, think about applying for a 'top up' to your current home loan.

Use our Borrowing Power Calculator for an indication of how much you may be able to borrow or speak to one of our lenders.

If you're buying a newly built home for less than $600,000 in NSW you could be eligible for a 50 per cent Stamp Duty reduction, which would save you up to $11,245. This government initiative - known as the NSW Housing Construction Acceleration Plan (HCAP) - was introduced for those who are not first home buyers to help stimulate the property market.

HCAP is available for a limited time only and will be reviewed on 31 December 2009. So find out if you qualify and speak to one of our lenders to get the ball rolling.

Use our Stamp Duty Calculator to determine your Stamp Duty costs.

If you've decided that building a new home is the way to go, consider our Construction Home Loan. This flexible home loan type allows you to draw down on the funds you need, as you need them, saving you a great deal of money and the headache of paying contractors on time. The benefits of this type of loan include:

Access to funds when you need them.

Home Loan funds are advanced progressively as your builder satisfactorily completes each stage of construction.

You only pay interest on the advanced amount of the home loan.

Improves cost-efficiency of your project with an established schedule of payments to builders.

To help us determine the final cost of your property you'll need to supply construction cost estimates, council approved plans and specifications, and written details of any work to be carried out yourself or by sub-contractors. Find out more about our Construction Home Loan.

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. Our Renovation Home Loan offers flexible finance as and when you need it so that you can make renovations or extensions to your home. Benefits include:

Access to funds on an ongoing basis throughout the renovation period.

Pay interest only on the advanced amount.

Organise scheduled payments for builders as they complete agreed milestones.

Trying to coordinate the sale of an existing property with the purchase of a new one can be stressful. If you don't synchronise it well you could end up losing the home of your dreams or needing expensive bridging finance. We can help take away some of the pain and cost of buying a new home with our Relocation Home Loan. The great thing about this type of loan is:

You can borrow the deposit for your new property straight away.

You can borrow the balance when you settle.

You only make repayments on your new home loan, until you sell your existing home.

You can borrow extra for additional expenses, such as stamp duty and moving costs.

You have six months to sell your existing home, and up to an additional six months if you're building a new home.

Securing the property you've spent time and effort to find is a crucial stage in the home buying process. Most people use a cash deposit from their savings to make sure they lock down the deal. But the problem with that is while your money is working at securing your new home, it's not working to earn you interest during the settlement period.

A Deposit Protect Bond is an alternative to a cash deposit. Essentially it's a guarantee from a "Lender"to the vendor that you, the purchaser, will pay the deposit, in addition to all other costs, on the day of settlement.

The way it works is simple. The bond - 10% of the contract price - is handed over to the vendor's solicitor when the contracts are exchanged. At settlement the full purchase price for the property (including the deposit amount) is paid and the bond obligation is cancelled.

Some of the benefits of this type of deposit include:

You can secure a new home or investment property using the equity in an existing property.

You don't have to have ready access to cash for the deposit.

It's convenient when attending auctions.

It can be approved within 24hrs in most cases.

You can use it to secure a variety of properties (owner occupied, investment, vacant land, commercial properties and companies).

A Deposit Bond is available for six months from the date of issue.

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The prospect of finally being under your new roof after so much hard work and preparation can be exhilarating, but managing the move is a drag. We suggest being super organised and making a list...checking it twice...until you have all the boxes ticked. Before you know it you'll be popping that champagne cork.

Use our Moving Checklist to help sail over the choppy waters of relocating.