Home loan features

When it comes to choosing a home loan, there are many factors to consider on top of the interest rates. Having the right facilities could save you big time in the long run, so it's worth understanding what's available in the market and the benefits offered by different loan features. 

Home loan features to consider

Offset account

A transactional account linked to your home loan, which could potentially cut years off your mortgage.

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Redraw facility

A redraw facility allows you to make extra repayments and draw on any accumulated 'buffer' in times of need.

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Repayment holiday

A period of time where mortgage repayments are either not required or reduced. Usually only available when a borrower is in advance of their loan.

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Home loan portability

This feature allows borrowers to keep the same home loan product but change the secruity (property), thereby saving time and cost of refinancing of getting a new loan.

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