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Using your equity

Once you've built up some equity in your home, we can help you use it effectively. Whether you want to increase the value of your home, make smart investments or improve your lifestyle now or later in life, you’ll find helpful hints and tips on how you can do it here.

If you’re planning renovations or need some extra money, you may be able to borrow additional money with your existing home loan. This way you may be able to use the equity you’ve already built up.

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If you’ve been paying more than the required repayment amount on your loan, you’ve also been building up equity in your home. You may be able to redraw these extra repayments.

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If you're aged 65 or over and own your home, you could use the equity in that home to make your retirement more comfortable. Equity Unlock for Seniors allows you to access money without changing your lifestyle or selling your current home.

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With a Viridian Line of Credit account you can combine your home loan with all of your daily spending. It makes your money work harder for you by letting you pay your salary or other income directly into your loan account, which you can then access, while reducing the amount of interest you pay.

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As an existing customer you have access to our free home loan health check whenever you want one. If you’re looking to build equity quickly to use on renovations or investments, talking with one of our Home Lending Specialists can help.

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If you’re looking to renovate or expand, an alternative to using your equity is refinancing your home loan.  Find out all the benefits and costs involved to refinance your loan with us.

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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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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.

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