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Standard Product Suite

Reduced Streamline Buffering

Discover our Reduced Streamline Buffering options, designed to lower your interest rate for refinances and purchases. If you’re locked into a loan with an interest rate higher than necessary, often due to changes in lending criteria since your loan was issued, streamline refinancing offers a reduced buffering rate. Products such as Ultra, Prime, and Flex are available, subject to credit score. Key features include 100% offset accounts, Visa debit cards, up to 10 offset accounts per loan, free redraws, unlimited additional repayments, and flexible repayment schedules. Suitable for individual borrowers, companies, and SMSFs with good conduct and a clean credit history. Contact us for personalised refinancing solutions.

Loan Features:
  • 100% Offset Account:

    Reduce interest with a 100% offset account.
  • Multiple Offset Accounts:

    Up to 10 offset accounts per loan.
  • Unlimited Additional Repayments:

    Make unlimited extra repayments to pay off your loan faster.
  • Flexible Repayment Schedule:

    Choose from weekly, fortnightly, or monthly repayments to suit your needs.
  • Visa Debit Card:
    Convenient access to your funds with a Visa debit card.
  • Free Redraws:

    Access extra repayments without any fees.
  • Internet Banking:

    Manage your mortgage effortlessly with our online banking platform.
Eligibility Requirements:
  • Borrowers:

    Available for individual borrowers, companies, and Self-Managed Super Funds (SMSF).
  • Credit History:

    Credit reports must show no adverse hardship or overdue repayments in the last 12 months.
  • Good Conduct:

    No adverse conduct in any debt or bank statements if held.
  • Financial Stability:

    No adverse changes to the borrower’s circumstances, including indicators of financial stress (e.g., increased reliance on credit, higher credit enquiry activity) and financial stability (e.g., regularly clearing credit card debt each month if repayment history is held).