Home Loans - Manage your home loan, your way.
Stay in control of your home loan with clear steps, simple tools and support when you need it.
Manage your home loan
Set up and check your home loan details
Getting started with your new home loan is simple. You can check your loan details and set up additional repayments anytime in Internet Banking.
Check your loan details including:
- Minimum repayments and payment schedule
- Your next repayment date
- Current interest rate
- Advance payments and redraw balance
- Remaining loan term
- Interest paid so far this year
You can set up regular additional payments in Internet Banking. Making additional regular payment can reduce your loan balance and help reduce interest. Choose a schedule that suits you; paying more often can help reduce interest.
Note: As your minimum repayments form part of your loan contract they can’t be adjusted in Internet Banking. If you need to discuss changing your minimum repayments, contact us.
Need to make changes to your loan?
As life changes, your home loan might need to change too. We’re here to help.
Change repayment schedules and amounts
Remove a guarantor
Refinance or top up your loan
Release security
Update your loan product
Update the insured party on your loan
Port your loan to a new property
Change your interest rate type and conditions
Roll onto our variable rate
When your current loan term ends, you will automatically move to a variable rate. You don’t need to do anything – and you’ll keep the flexibility to make extra repayments and access redraw.
Fix your home loan rate
You can lock in a new fixed interest rate for one to five years. You’ll have the certainty of knowing exactly what your repayments are. The trade-off is that fixed loans often offer less flexibility for extra repayments or changes during the term.
Split your loan
A split loan combines the stability of a fixed rate with the flexibility of a variable rate. Your fixed portion gives you predictable repayments, while the variable portion lets you make unlimited extra repayments, reduce interest and benefit if interest rates fall.
Looking to pause your repayments?
Life changes fast – and sometimes you may need a break from repayments. If you’re on maternity leave, caring for a child, or supporting a family member, we can offer a repayment pause on eligible variable loans after the first 12 months.
You can pause your repayments for up to six months during approved leave.
Put your home's value to work
Your home loan doesn’t just help you buy your property – it can also open up opportunities. As you pay down your loan or as your property grows in value, you build up equity that can help you move forward with your plans. Whether you’re looking to renovate, invest or simply create more financial breathing room, there are a few ways you can make the most of the value you’ve built.
Redraw
If you’ve made extra repayments, redraw gives you access to those funds when you need them. It’s a simple way to stay in control – reducing interest when things are steady, while giving you flexibility if something unexpected comes up.
You don’t need to tell us why you’re withdrawing, but your loan must always remain at least one repayment in advance.Redraw isn’t available once your loan balance reaches zero.
Access your equity
Accessing your equity lets you use the value you've built in your home to take on bigger plans, like upgrading your home, purchasing another property or investing in long‑term goals. It’s a practical way to turn the progress you’ve already made into momentum for what’s next.
You can leverage the value in your home to by:
- Refinancing
- Using your current property as security for another property
- Taking out an additional loan secured against your property
Keep in mind that borrowing more than 80% of your property’s value may attract Lenders Mortgage Insurance (LMI).
Top up your home loan
If you need additional funds for a project, purchase or upcoming expense, you may be able to increase the limit on your variable home loan. A top up keeps things straightforward by using your existing loan, while giving you extra financial capacity when it matters.
Topping up may increase your repayments or extend your loan term – so it’s worth considering how it fits with your lifestyle and budget.
Offset
Use the balance in your offset account to reduce the balance of your loan that we charge interest on. Every dollar you keep in your offset directly lowers the interest you pay, helping you pay off your home loan sooner.
Your offset works automatically each day, so keeping your salary or savings in the account can make a real difference over time and because it’s a transaction account, you can still use your money whenever you need it.
Have questions about your loan?
Get help from a Lending Specialist over the phone, video call or face to face at a time that suits you.
Or call us on 13 12 21
What you'll need:
- Discharge or security release form
- Your preferred settlement date and payout instructions
- Any linked products you want closed or transferred (e.g., offset)
What happens
- We’ll calculate your payout figure (including fees and interest up to settlement) and let you know next steps.
- Some charges (e.g., fixed rate break costs) may apply if you discharge during a fixed term.
We're here to help
If you’re under financial pressure, let’s talk it through. The sooner you get in touch, the more options we’ll have to assist you.