Own home loan > Managing your loan

Managing your loan

Changing your repayments

You’re in control of how and when you make your repayments – it’s your money after all.

You can change:

  • the Pay account we automatically take your repayments from
  • your repayment frequency – to weekly, fortnightly or monthly
  • the day of the month you make your monthly repayments (principal and interest loans only)

All you need to do is contact us and we’ll get you sorted.

Making additional repayments

Who doesn’t want to pay their loan off as quickly as possible? With our variable rate loan, you can make higher repayments or pay off a lump sum at any time.

Our fixed rate loans have an additional repayment limit of $20,000 during the fixed rate period.

You can redraw additional repayments by using our app to transfer the money to your Pay or Save account.

Changing loan type

Changing your loan from variable to fixed or to lock in a rate for another fixed period is simple and straightforward.

But if you want to change from principal and interest to interest only, we’ll need to reassess your situation.

Whatever kind of change you’d like, please contact us.


Increasing your loan amount

If you need extra funds, we’ll need to reassess your situation. Please contact your broker to kick this off.

Financial difficulty

We get that unexpected things can happen and circumstances can change – for example, losing your job, splitting up with a partner or getting injured – leaving you struggling with your repayments.

If you’re experiencing financial hardship, please contact us as soon as possible and we’ll try to come up with a solution to help you get back on your feet again.