Breakthrough Loan

Breakthrough Loan

If you're trying to get into the property market or want to refinance to reduce your monthly home loan repayments, the award winning Breakthrough Loan could be the break through you're looking for.

Borrow up to 35% more to buy a home

The Breakthrough Loan is designed to help you get into the property market by allowing you to borrow up to 35% more, without increasing your loan repayments.

It works like this: by entering into a shared appreciation arrangement with us you can take out a loan up to 35% larger than what you'd normally be eligible for.

Your repayments will be the same as what you'd make on a standard HomeStart loan.

In return, you share a portion of the home's change in value with us when the property is sold.

Benefits:

• Boost your borrowing power so you can break into the property market
• Low and no deposit options
• Increase the range of suburbs you can afford to buy in
• Get out of the rent cycle and start investing in your own future
• Manageable repayments with the Repayment Safeguard

How much can I borrow?

Refinance and save on monthly repayments

If you want to refinance, the Breakthrough Loan could help you stay in your home while substantially reducing your monthly loan repayments.

By refinancing with the Breakthrough Loan, you enter into a shared appreciation arrangement with us, which means that your loan repayments could be much lower than a standard repayment amount.

In return, you share a portion of the home's change in value with us when the property is sold.

Benefits:

• Potential to substantially reduce the size of your loan repayments and save hundreds of dollars
• Helps you to stay in your own home after a change of circumstances, such as separation
• Manageable repayments with the Repayment Safeguard

Tell me more

Terms, conditions and eligibility criteria apply. Fees and charges payable. Available in metropolitan and selected regional areas only.