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Standard Product Suite

Family Pledge Loans

Explore our flexible mortgage loan options with free redraws, a Visa debit card with offset, and high LVR lending up to 110%. Ideal for Australian residents and citizens, including those with non-conforming credit. Family assistance guarantees and limited personal guarantees available for both owner-occupied and investment properties. Contact us to learn more about our comprehensive loan features and eligibility requirements.
Loan Features:
  • Free Redraws:

    Enjoy the flexibility of accessing extra repayments anytime without additional fees.
  • Flexible Repayment Options:

    Choose a repayment schedule that suits your financial situation.
  • Family Assistance:

    Secure a loan with a family member’s guarantee, applicable for both owner-occupied and investment properties.
  • Limited Personal Guarantee:

    The guarantor’s liability is limited to a specific amount, ensuring their financial security.
  • Free Visa Debit Card:

    Each borrower receives a Visa debit card linked to an offset account, helping you manage your finances efficiently.
  • Loan Splits Option:

    Split your loan for a guarantor loan amount, offering more tailored financial solutions.
  • High LVR Lending:

    Borrow up to 110% of the property value to cover both the purchase price and additional costs.
Eligibility Requirements:
  • Residency:

    Open to Australian residents and citizens living and working in Australia.
  • Guarantor:

    Available for both owner-occupied and investment purposes, with an immediate family member acting as the security guarantor.
  • Security:

    A first mortgage over the guarantor’s security will be registered.
  • Credit History:

    Both clear credit histories and non-conforming/credit-impaired applicants are accepted.
  • Servicing:

    Guarantors must service the guarantee portion, though borrowers with strong asset positions may be exempt.
Accepted Securities:
  • Residential Properties:

    Standard residential and habitable properties are accepted.
  • Location:

    All metropolitan, Category 1, and Category 2 securities are acceptable.
  • Property Size:

    Properties up to 10 hectares are eligible.