Give your home loan a tune-up

Find out how to shave years off your home loan, how to borrow some extra money to give your home a spruce up, or talk to us about re-fixing.

Is your fixed rate coming to an end?

If you want to re-fix, you can lock in any current fixed interest rate up to 60 days before your loan rolls off its term^. It might also be a good time to review the structure of your loan/s to make sure you’re getting maximum benefit from current interest rates.

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Manage your home loan repayments online

You can now make changes to your home loan payments on most home loan types in Internet Banking – or find out how a small increase to your payments could make a big saving to the length of your loan, and the amount of interest you pay^.

Top up or pay down your loan

Borrow a little bit extra

Fund renovations, like building a deck or upgrading your bathroom, or pay for other big purchases by topping up your home loan. You can do this by taking out an additional loan, or applying to redraw extra home loan repayments you’ve made.

Pay off your home loan faster

Pay off your loan faster and pay less interest overall by making lump-sum repayments, increasing your regular repayments or taking out a TotalMoney^ or Tailored^ home loan. You can make extra or lump sum repayments if you’re on a floating rate, and if you’re on a fixed rate, you may also be able to make some additional repayments per year^.

Small Print

All home loans are subject to our lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.

  1. Ratelock break fee may apply.

  2. Early repayment charges may apply.

  3. TotalMoney Terms and Conditions apply.

  4. Tailored home loan repayments are not available on Rapid Repay, Mortgage One, non-table loans, any of our interest only loans, or progressive drawdown loans. Terms and conditions and early repayment charges may apply.

  5. Terms and conditions and early repayment charges may apply.

Read our full home loans terms and conditions