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60 month $5k+ |
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HomePlus (line-of-credit)
HomePlus is SERVICE ONE's holistic home loan solution, enabling you to use your loan as a multi-purpose account (cheque, Visa card, tax effective savings and/or investment account). It essentially provides a line-of-credit or continuing credit and offers flexibility as you are able to borrow against your approved amount at any time. A summary of this loan's features is offered below:
| Flexible access | Access your funds through a variety of channels, including ATM, EFTPOS, cheque, Visa card, over the counter and more. |
| Offset interest | Consolidate income streams into the product to potentially reduce your principal interest. |
| Competitive interest rate | 7.30% p.a. View all our interest rates. |
| Flexible repayments | Freedom with repayments - as long as you keep the balance below the approved limit. |
| Additional variable lump sum payments | Own your home sooner by making variable and lump sum repayments. |
| Tailored borrowing amounts | We lend up to 80% of the property value. |
| Top up facility | Use our simple top up facility to borrow extra funds against your loan. |
| Auto repayments (salary/account) | Easy and convenient repayments to avoid late fees. |
| Loan Repayment Insurance | This insurance helps you cover your loan repayments should the unexpected occur. |
In addition:
- You can choose to split your loan between variable and fixed rates - at a ratio that suits you!
- Conditional approval can be granted quickly upon receipt of your application.
- You will take advantage of discounts on your everyday banking and be exempt from the monthly Membership Service Fee.*
- By having a home loan with SERVICE ONE, you can enjoy a Visa card at the Standard Variable Home Loan rate.#
- You can access a Deposit Power Guarantee if you need help with the cash deposit on a residential property purchase.
* Discounts on everyday banking will depend upon your average relationship balance (including loan balances). View SERVICE ONE's Schedule of Fees and Charges for more information.
# An additional benefit of having a home loan with SERVICE ONE is it allows you to enjoy a Visa Card (conditions apply) at the Standard Variable Home Loan interest rate.
Terms and conditions and fees and charges are payable and details on these fees are available in SERVICE ONE's Schedule of Fees and Charges. All loan applications are subject to SERVICE ONE's standard lending criteria. Some loan services may require a separate application and are subject to assessment.
After even more options?
At SERVICE ONE, we offer a range of options tailored to your loan needs and individual circumstances. It's all about making sure your loan arrangements are relevant to you. So whether you're building your new home, considering help from family to get into your first home or moving to a new home and want to take your existing SERVICE ONE loan with you, find out how it's your home loan, your way.
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