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Getting the most from your home loan is easy when you understand how to use the features of your mortgage to your advantage.

Family pledge

Your family can help you into your first home with Family Pledge.

More about Family pledge

Rate lock

Lock in an advertised fixed rate with Rate Lock.

More about Rate lock

Split your home loan

Get the best of both worlds with a fixed and a variable interest rate home loan.

More about splitting your loan

Interest offset

Our interest offset facilities, can make your savings work harder, by ‘offsetting’ them against your home loan.

More about Interest offset


Variable rate


  • Provides additional features such as unlimited additional repayments, unlimited redraw (up to the amount of additional repayments) and full interest offset.
  • No break costs in the event of early repayment.
  • If interest rates decrease, repayments will also decrease.

Things to consider:

  • If interest rates rise then repayments will increase.

Important information

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this general information, please consider if it’s right for you. If you need help, call 13 33 30.