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Loan features
Home loan features, explained without the jargon.
Understand the features that can change how your home loan works — from offset accounts and redraw to fixed rates, split loans and extra repayments.
Check borrowing capacityWhy features matter
The right features can change how your loan works.
A competitive rate is only part of the picture. Loan features can affect the interest you pay, how quickly you reduce your balance, how much flexibility you have, and how confidently you can manage your cash flow.
Reduce interest
Offset accounts, extra repayments and redraw can help reduce the balance used to calculate interest.
Keep flexibility
Features like redraw and offset give you more control over your money without losing sight of the loan.
Balance rate certainty
Fixed, variable and split structures let you decide how much certainty and flexibility you want.
Explore the guides
Six loan features worth understanding.
Short, practical guides to the features you are most likely to encounter when comparing, structuring or reviewing a home loan.
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