Lines of credit
Our line of credit is an overdraft facility that provides you with the ability to continually draw up to your credit limit at any time for your home, car and other credit requirements.
Its flexibility allows you to pay off as much or as little as you like (provided the line of credit remains under the credit limit), and provides you with a continual source of credit without having to worry about extra application or establishment fees.
Our line of credit features:
- continual credit facility
- no set repayments (interest only repayments are required if you reach your limit)
- automatic payroll deduction directly into the line of credit to reduce any interest charged
- access to your funds via: phone banking, internet banking, branches, Cheque, ATM & EFTPOS, BPay
This credit facility is design to suit almost everyone, whether you’re buying or building an owner-occupied home, renovating, refinancing, investing, or simply want to use the equity in your property to make large purchases and pay bills.
We lend up to 80% of the value of your property/ies.
If you’re interested in a line of credit facility, please contact your local branch, or call us on 1300 765 195.
| Interest Rate | Variable |
| Establishment Fee | $250 |
| Annual Fee | $100 |
| Document Fees | $250 |
| Deposit Required | 20% |
| Maximum borrowing amount - LVR* | 80% |
| Term of Loan | Ongoing |
| Repayments | No set repayments+ |
| Redraw Facility^ |  |
| 100% mortgage offset account | |
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