Home Loan Summary

	HomeStart Home Loan	Graduate Loan	Low Deposit Loan	Nunga Loan	Seniors Equity Loan
Description	A home loan option which can be designed to suit your needs	If you are a graduate, police officer or enrolled nurse, this loan could be the key to getting you into your own home sooner	Even if you don't think that you have enough funds for a deposit, the Low Deposit Loan could be the solution to help you on your way to home ownership sooner	This loan type is only available to Indigenous customers	This loan is commonly refered to as a ‘Reverse Mortgage’and enables over 60's to access their home equity
Deposit	From 5% (may be higher in regional areas)	From 0% (may be higher in regional areas)	From 0% (may be higher in regional areas)	From 0%	Equity required dependent on age of youngest borrower (only available in metro and selected regional areas).
Buy or build			Buy only		N/A
Advantage Loan Tops up your borrowing power by up to $28,000	(Max income $39,000 per annum)	(Max income $39,000 per annum)	(Max income $39,000 per annum)	(Max income $39,000 per annum)	N/A
Breakthrough Loan Increases your borrowing power by up to 35%					N/A
EquityStart Loan The EquityStart Loan provides public housing tenants with a boost to their borrowing power by up to $50,000					N/A
Repayment Safeguard					N/A
Voluntary Repayments	Restrictions if choose to fix interest rate	Restrictions if choose to fix interest rate	Restrictions if choose to fix interest rate	Restrictions if choose to fix interest rate
Repayment Breaks					N/A
Redraw	Variable only, not with Advantage or EquityStart Loans	Variable only, not with Advantage or EquityStart Loans	Variable only, not with Advantage or EquityStart Loans	Variable only, not with Advantage or EquityStart Loans	Further drawdown may be available on either a regular or ad hoc basis
Equity Access			(After 12 months)		N/A
Fixed and Split Options			(After 12 months)		N/A
Portability and Bridging					Bridging not available
Investor Loan	(not available with Advantage or EquitySTart Loans)	(not available with Advantage or EquityStart Loans)	(not available with Advantage or EquityStart Loans)	(not available with Advantage or EquityStart Loans)	N/A
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Terms, conditions and eligibility criteria apply. Fees and charges are payable.