Residential Home Loans

Standard Variable loans are popular because they can offer features designed to help you pay off your loan faster, such as redraw facilities, offset facilities, and extra repayment options if required.

Basic Variable loans, or discounted rate loans, generally offer fewer features and less flexibility than standard variable loans, but make up for the lack of additional features by providing lower rates for an agreed period of time.

Fixed home loans have a set interest rate, fixed for a certain period of time, usually between one and ten years. They usually have a break cost if the loan is closed before the agreed fixed term, and the cost can be considerable.

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