Meeting your changing needs

It’s natural that over time your home loan needs might change. In this section you’ll find information on how we can help you access additional repayments you’ve made, change your loan type, and transfer your loan from one property to another.

 

Accessing your repayments

If your circumstances do change, accessing any additional home loan repayments you’ve made could be an option. Depending on your loan type you can use our Repayment Redraw service for any reason, or take a Repayment Holiday for up to 12 months.

 

More info

Changing your home loan type

If you want to change your home loan type to better meet your needs, it doesn’t have to be a difficult process. Many of our loan types feature the flexibility for you to switch loans or adjust terms on your existing one.

 

More info

Moving house

Just because you took out a home loan for a particular house doesn’t mean you need to stay there for the full term of your loan. We can help if you’re selling your property.

If you need to move for any reason, we’ve made the process of transferring your loan as smooth as possible with our loan portability option. Our portability option means you can transfer your current home loan to your new home, with the new property being substituted as security on the loan.

 

However if you prefer to find and buy your new home before you sell your current place then we can offer a bridging loan to make it happen.

To find out more about our portability option or bridging loans you can contact one of our Home Loan experts today.

 

Loan Increase

If you love where you live and would prefer renovating to moving, or just need some extra money to pay bills, you could also consider increasing your existing loan.

 

Protecting your property

Whether you’re buying or selling it’s important for your property to be comprehensively covered. Our Residential Home Package gives you a range of insurance options that cover your place for damage, theft, emergency work and even alternative accommodation costs.

Important information

• Applications for finance are subject to the Bank's normal credit approval. Full terms and conditions will be included in the Bank's loan offer. Fees and charges are payable.