X home loan

More features than you can jump over!

Want a home loan that's eXtra fleXible?

The X loan is so flexible that it allows you to pay your home off faster and save in interest by depositing all of your income from a range of sources, including your rental income, into your home loan account. Your regular bills and living expenses are covered by a Visa debit card attached to your loan, which attracts the same interest rates as the loan. Even cash advances attract the same interest rate.

A wide choice of features:

• 100% redraw offset or line of credit
• FullDoc including construction
• Visa debit card
• FullDoc available up to 90% loan to value ratio (LVR) (80% for construction) inclusive of the lenders mortgage insurance (term, LOC and construction loans)

Full online account access:

• Available with 100% redraw offset or Line of Credit (LOC) option
• Unlimited phone and internet account access
• Unlimited EFTPOS and BPAY payments
• Salary credit and unlimited cheque transactions if cheque book wanted
• 5 free ATM transactions at domestic CueCard network ATMs (including Westpac, BankSA, St.George ATMs) 
• No need to hold a bank account with another institution

Key benefits:

• Total flexibility - ideal for sophisticated borrowers who seek full loan functionality with online access
• Shave years off the loan and save on interest by depositing all income into the loan account
• Allows you to borrow up to 90% of the property value (80% for construction) inclusive of capitalised lenders mortgage insurance

An X loan is ideal for:

• Experienced buyers and people looking to sell and upgrade to a new home
• People who wish to construct a new home or renovate
• The self employed - you can borrow up to 90% of the property value if you have proof of being self employed for a minimum of 2 years plus full financials

How X loan beats the competition:

• 100% redraw offset feature with this product category