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Building and using equity

Equity is the difference between the market value of your property and the amount you still owe on your loan. As time goes on, your options can increase and we can help guide you through the process of building and using the equity in your home.

If you want to build the equity in your home sooner, there are a variety of options available to you, including increasing the value of your property, increasing the regularity and amount of your loan repayments and opening an interest offset account.

Learn more about equity building options

If you need to use the existing equity in your home for renovating, investing or improving your lifestyle, we can help. Options may include re-drawing your extra repayments, topping up your loan and applying for a line of credit. You can also take advantage of a reverse mortgage, if you're 65 years or over.

Add-ons

Benefit from significant savings on borrowing, everyday banking and insurance services, as a reward for banking with us.

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Our Everyday Account is an all-in-one solution that offers the flexibility you need. Enjoy low fee everyday banking with a Debit MasterCard®.

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Pay no credit card annual fee with the Wealth Package, a saving of up to $349 per year with the Diamond Awards credit cards. No Wealth Package? You’ll pay no annual fee for the first year when you apply for a credit card at the same time as your home loan.

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Offset the funds in your linked accounts against the balance of your home loan, to potentially save thousands of dollars in interest.

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We can help

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Already a customer banking online with us?

Save time by using your NetBank details. 

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Important Information

Applications for finance are subject to the Bank’s normal credit approval including a valuation if applicable. Full terms and conditions are included in the Loan Offer. Fees and charges are payable.

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