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I’m not sure which type of loan or features will be best for me. Do I need to know before I apply online?

No, it’s not essential. You’ll be asked a series of questions during the application process that will not only tell us whether you’re a good fit for one of our loans, but also help to narrow down the kind of loan that’s best for you.

For example, we’ll ask what the loan is for and what your goals and objectives are for acquiring the loan. We’ll also help you narrow down things that are important to you including:

  • if you want to pay the loan down quickly;
  • if you prefer knowing how much your repayments will be so you can maintain a budget (i.e. fixed rate) or if you prefer loan flexibility (variable rate);
  • how often you’d prefer to make repayments;
  • whether you want features with your loan, such as an offset account and redraw facility; and
  • if you want the freedom of unrestricted lump sum payments.

Based on your answers, we will provide some loan options. Once you decide which is best for you, we will proceed with assessing your financial information and loan application.

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