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Increase your home loan (Top up)

If you’re planning to renovate or redecorate, want to consolidate your debts or simply need extra cash, borrowing additional money using your existing Home Loan could be the perfect solution.

You can borrow additional funds using your existing Home Loan without taking out a separate loan, making it easier to use the equity you’ve built up and saving you time and paperwork. You’ll be paying a Home Loan interest rate, which can be very cost effective compared to other lending options. The amount you can borrow depends on your income and the amount of equity you have in your property.

You’ll only pay one monthly loan service fee and we will help provide support with the paperwork. You can also renegotiate your loan over a longer term, subject to normal lending criteria. Plus, your establishment fee for a Top Up is only $300.

Please note, if your existing loan is at a fixed or guaranteed rate, you cannot increase your loan. If you still require additional funds, you may break your fixed rate contract. However, fees may apply and the new maximum loan amount must be renegotiated at current interest rates. The new interest rate cannot be an introductory rate (including 3 Year Special Economiser) unless the increase represents more than 50% of the total new loan. You may be better off taking out a separate loan in this instance.

You can apply to increase your loan easily via NetBank. The application only takes 15 minutes. To make things easier, most of your details will automatically appear on your application. You can save your progress at any point and come back to it later.

If you’re not already registered for NetBank, you can register online. Alternatively, contact us or visit your local branch.


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

Ready to apply or want to discuss your home loan needs?


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Important information

Applications are subject to the Bank's normal credit approval. Full terms and conditions will be included in our loan offer. Other fees apply.

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