Frequently Asked Questions

We offer a range of property loans, including home loans, investment property loans,   construction loans, and commercial loans.    

The application process involves submitting an online application, providing   necessary documentation, and undergoing a thorough assessment. Our team will   guide you through each step.    

Eligibility criteria include factors like income, credit history, employment status, monthly expenses and budgets and the property's value. Our team will assess your specific situation during the application process.

Standard documents include proof of identity, income verification, employment details,   property details, and financial statements. The exact list will be provided during the application process. 

Interest rates depend on the type of loan and market conditions. Our team will provide   you with competitive rates tailored to your financial situation.    

Loan amounts vary based on individual circumstances. We cater to a broad range of   financial needs, and our team will work with you to determine the suitable   loan amount.    

We may offer special promotions or discounts for all our customers. Contact our team to discuss the current offerings.

The processing time varies, but we strive to complete the assessment promptly. Factors such as application complexity and document submission speed can influence the duration of the timeline. 

The processing time varies, but we strive to complete the assessment promptly. Factors such as application complexity and document submission speed can influence the duration of the timeline. 

Loan terms vary based on the type of loan. We provide flexible terms, and our team will   discuss suitable options during the application process. 

Yes, we offer pre-approval, providing you with a clear understanding of your   borrowing capacity and streamlining the property search process.

A  fixed-rate loan maintains a constant interest rate, while a variable-rate loan's interest rate may fluctuate. Each has its advantages; our team can   help you choose the right option.    

Penalties may apply for early repayment, depending on the loan type and   lender. Our team will outline the terms during the   application process.    

Yes, we offer loans for property investment purposes, including purchasing or   refinancing investment properties.    

LVR limits vary based on the type of loan. Our team will discuss specific ratios   applicable to your situation. 

Yes, we provide construction loans tailored to property development projects.    

Approval timelines vary but generally take a few days to a few weeks. Our team works efficiently to facilitate a smooth approval and settlement process.    

Property valuation is conducted by qualified professionals based on market standards,   ensuring an accurate assessment. 

Mortgage insurance may be required for loans with higher LVRs to protect the lender in   case of default. Our team will guide you on its applicability.    

Yes, extra repayments are generally allowed, and our team will advise on associated fees, if any. 

If you miss a repayment, contact our team immediately to discuss potential solutions and avoid additional charges. 

Government grants and incentives may be available from time to time. Our team will inform you of any applicable options for you at the time of processing your loan application.    

Interest rates are regularly reviewed. We notify borrowers of any changes via official   communication channels, and can advise customers of the most suitable and available loan rates for the applicant at the time of the loan application.      

Yes, loan portability options are available. Our team will provide guidance on the process.    

A redraw facility allows accessing extra repayments, while an offset account links savings to reduce interest. Our team can explain each in detail. 

We are committed to transparency. Any fees associated with our property loans will be clearly communicated during the application process.    

Yes, we offer loan switching options, allowing you to transition between variable and fixed rates. Our team will guide you through the process. 

Refinancing involves submitting an application, providing documentation, and undergoing   assessment. Our team will guide you through the steps to secure a competitive   refinancing option.    

For construction projects, loan disbursements are typically made in stages based on project milestones. Our team works closely with borrowers and builders to ensure funds are released as needed. 

The age limit may vary depending on the loan type. Our team will discuss eligibility criteria, including age restrictions, during the application process.    

The minimum deposit requirement varies based on the loan type, property and your financial circumstances. Our team will provide guidance on the suitable deposit for your situation. 

Yes, we offer bridging loans to facilitate the purchase of a new property before selling the current one. Our team can provide details on eligibility and terms. 

Valuations for unique or non-traditional properties are conducted by qualified professionals with expertise in such properties. Our team ensures a fair and accurate assessment.    

We understand that credit histories vary. While a less-than-perfect credit history may impact eligibility, our team will assess your overall financial situation to determine the options available.  

LVR requirements for investment properties may vary. Our team will discuss the specific ratios applicable to investment property loans. 

Yes, we may offer interest rate discounts for existing customers as part of loyalty programs. Contact our team for details on current offers. 

Yes, we may offer interest rate discounts for existing customers as part of loyalty programs. Contact our team for details on current offers. 

Yes, gifted funds can be used as a deposit, subject to certain conditions. Our team will provide guidance on the documentation required. 

Principal and interest repayments include both loan principal and interest, reducing the overall balance. Interest-only repayments cover only the interest for a specified period.    

Yes, adding a guarantor is possible. Our team will explain the process and requirements for a guarantor to be included in your application.