ZIP home loan

Your passport to a 0% interest VISA*

Pay off your home faster by making your money work smarter for you! Deposit all income into your loan account, then use the VISA debit card for personal expenses. Even cash advances on the card are interest-free.

If you’re looking for a fully functional mortgage with a zero interest VISA debit card, then this loan is the answer.

Even cash advances on the card are interest-free.

And ZIP means zero fees. There are no ongoing monthly or annual fees, and services such as phone and internet account access, EFTPOS, biller payments and cheque transactions are also free and unlimited.

Key features:

• Comes with a zero interest VISA debit card to the loan account and swept monthly
• Borrowers can deposit their salary into their loan account and use their VISA debit card for transactions

Key benefits:

• Ideal for refinancing, plus it also enables your money to work smarter for you
• Replace expensive credit cards and personal loans with more affordable debt via home loan interest rates
• Pay off homes faster and save on interest
• One of the best line of credit loans on the market

A ZIP loan is ideal for:

• Investors
• The self employed - you can borrow up to 90% of of the property value if you have proof of being self employed for a minimum of 2 years plus full financials
• People wishing to refinance and reduce their mortgage payments

How ZIP loan beats the competition:

• Unlimited free transactions (including cash out) when ‘cheque’ is selected at the ATM (when used at domestic CueCard network ATMs including Westpac, BankSA and St.George ATMs) 
• A truly zero interest VISA debit card to the loan account (our competitors are still offering just a debit card)