Loan Features |
Standard Variable
Rate |
Discount Variable
Rate |
Home Loan |
Fixed Interest Rate |
Building Loan |
Line of Credit |
Low Docs Loan |
| Monthly or Fortnightly Payments |
YES |
YES |
YES |
YES |
Monthly |
YES |
YES |
| Additional Repayments |
YES |
YES |
YES |
YES(Limited) |
YES |
YES |
YES |
| Redraw Facility |
YES |
YES |
YES (Fees) |
NO |
NO |
YES |
YES |
| Total Term |
Normally up to
30yrs |
Normally up to
30yrs |
Normally up to
30yrs |
Normally Fixed
for up to the first 5yrs. |
Normally up to
30yrs |
Revolving Term |
Revolving Term |
| Ongoing Fees & Charges |
NO |
NO |
NO |
NO |
YES |
NO |
YES |
| Direct Debit & Salary
Crediting |
Direct Debit |
Direct Debit |
Direct Debit |
Direct Debit |
Direct Debit |
Direct Debit &
Salary Crediting |
Direct Debit &
Salary Crediting |
| Cheque Book Access |
NO |
NO |
NO |
NO |
NO |
YES |
YES |
| ATM/EFTPOS Access |
YES (Optional) |
YES (Optional) |
YES (Optional) |
NO |
YES (Optional) |
YES (Optional) |
YES (Optional) |
| Available for Investment Purposes |
YES |
YES |
YES |
YES |
YES |
YES |
YES |
| Interest Only Repayments |
YES(Limited) |
YES(Limited) |
YES |
YES |
YES |
YES |
YES |
| Portable |
YES |
YES |
YES |
YES |
YES |
YES |
YES |
| This table is only
indicative and may vary depending on the source of the product. |