Eligibility criteria apply to join the Bank as a member. Fees and charges and lending criteria apply. Consumer lending terms and conditions are available here.
Terms and conditions for the mortgage offset facility are set out in our Consumer lending terms and conditions and Conditions of use Accounts and access. For more information refer to the FAQ section under Offset facility.
Redraw is only available if borrowers have made additional repayments. If your loan has a redraw facility, you do not need to register to use the redraw facility on your loan account.
Repayment Pause is not available on all loan products and is subject to application and approval. Refer to Consumer lending terms and conditions for full details.
Lenders Mortgage Insurance, or LMI, insures the lender in the event that the borrower defaults on the mortgage. It does not insure the borrower. Borrowers must still meet lending eligibility criteria for both the lender and the LMI provider.
Approval in principle is an indicative approval only that outlines an estimate of your capacity to borrow. For approval in principle, we rely on the accuracy of the information you provided. It does not confirm an offer of a loan. To gain a formal home loan approval a full application must be made.
