Help & Support


Managing your home loan

Life can change and so can your home loan needs. If you want to reduce costs, repay a lump sum, borrow more, move house or check your options at the end of a fixed rate period, we're here to help.

What would you like to do?

Reduce your interest costs

You can reduce interest costs by gradually increasing your payments with our tailored repayments option

With TotalMoney offsetting you can put savings to work on reducing your interest costs.

Change your regular payments

For fixed or floating (variable) rate home loans (excluding TotalMoney and some other home loans), you can change your payments, up or down (unless you’re already at your minimum payment level) at any time.

How to change your regular payments

In Internet Banking
  • Log in to Internet Banking.
  • From the overview page, click on your home loan account icon.
  • You’ll know if you can change your regular payments on your home loan if you see a 'Change your regular payments' button. Click this to continue.
  • Change your payment amount. You’ll be able to see 

    the impact this change has on the interest you pay, length of your loan, and whether an ERC (early repayment charge) will apply.
  • Click the 'Change' button to confirm your payment change.
  • The change will take effect from your next scheduled payment.
By contacting us

Get in touch with us and we can talk you through your options. Call us on 0800 080 222 , visit us in store, or email us.

Make a lump-sum payment

Making lump-sum payments mean you pay off your loan faster, and pay less interest overall. If your loan is on a fixed interest rate, early repayment charges may apply. Most of our fixed rate home loans let you repay up to 5% of the loan amount at the start of your fixed term each year without early repayment charges.

How to make a lump-sum payment

Get in touch with us and we can talk you through your options. Call us on 0800 080 222 , visit us in store, or email us.

Top up your home loan

You may want to borrow more money on top of your existing home loan, e.g. to pay for renovation work. The amount you borrow can be added to your home loan or taken out as an additional loan.

As you’re using your home loan to borrow the funds you need, you can take advantage of home loan interest rates, which are usually lower than a personal loan or credit card.

How to top up your home loan

You can apply to top-up your home loan by any amount over $5,000. Loan to Value Ratio (LVR) rules and restrictions may apply.

Re-draw your extra home loan payments

If you’re on a variable interest rate and you’ve made extra payments to your home loan (on top of your regular minimum repayments), you can apply to get those extra payments back  ('redraw')

Loan to Value Ratio (LVR) rules and restrictions may apply.

Re-fix at the end of a fixed interest rate term

When your home loan comes to the end of its fixed interest rate period, you have several options such as re-fixing your home loan, or changing to a variable rate.  Unless you contact us before your fixed interest rate term ends, your home loan will automatically switch to a standard variable (floating) rate.  More about fixed and floating home loans

If you’re planning to re-fix your loan, you can choose to Ratelock any current fixed interest rate. You can ‘lock’ in that rate for up to 60 days before your loan comes to the end of its fixed rate term (Ratelock fees may apply). 

How to re-fix

Get in touch with us and we can help talk through your options. 

Move to a new home and take your home loan with you

When you move to a new home your loan can move with you. You can also apply to transfer the security for the loan to your new home. This can save you time and money by avoiding the new loan documentation process and the possibility of having to pay early repayment charges for a fixed interest loan.

Find out how

Get in touch with us and we can talk you through your options. Call us on 0800 080 222 , visit us in store, or email us.

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.