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Portfolio Loan
Secure your financial future by creating new wealth
The Portfolio Loan makes wealth creation easier. This flexible line of credit lets you combine your personal and investment finances into one convenient home loan. Create up to ten sub-accounts under a single loan facility and access your equity as you pay off your home. You can borrow up to 90% of your home’s value to make other investments and build assets, including shares, investment properties, a new car or your children’s education.
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Deposit all your income directly into your Portfolio Loan, so every dollar you earn works harder to save you interest and can help you repay your home loan sooner
Use up to 10 separate sub-accounts for your investment or lifestyle needs
The ownership structure for each sub-account may be different to help you make managing tax and finances easier2
Separate monthly statements for each sub-account to make managing your investments easier
Borrow up to 90%3 of the value of your property
Link a Visa Debit Card to your loan and shop securely wherever Visa is accepted4
Interest type
- Choose a fixed or variable interest rate for each sub-account1
Term
- There is no set repayment term. This is an ongoing line of credit
Can be used for building
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Yes (on variable rate portion only)
Available for vacant land
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Yes
Frequency
- Choose to repay as often as you like, but at least monthly
Additional payments
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Additional payments can be made at any time on variable rate sub-accounts. Up to $10,000 per year for fixed rate loans. 5
Automatic repayments
- Set up convenient automatic repayments from your nominated account
Ability to increase loan amount
- Applying for additional funds is simple6
Access to funds
- Get 24-hour access via ATMs, EFTPOS, Internet and Phone Banking
- Not available
- Not available
- Get great savings with this all-inclusive home loan package that includes a home loan, transaction account, credit card and more
- On fixed rate portion only7
- Keep earning interest on your deposit monies right up until settlement by using a Deposit Protect Bond instead of paying a cash deposit immediately
Learn more about the Portfolio Loan
- Call a home loan expert on 13 33 30 8am - 9pm (AEST), 7 days a week.
1. Your primary sub-account is always at the variable rate.
2. A sub-account holder must be one or more of the Portfolio Loan borrowers.
3. Property value as determined by us. Generally, Lender’s Mortgage Insurance is required on loans above 80% of the value of the property offered as security.
4. Subject to systems availability and maintenance.
5. Limits apply before break costs become payable under a fixed rate sub-account.
6. Subject to the bank’s approval.
7. On fixed rate loans only. A fee applies for each approved request.
2. A sub-account holder must be one or more of the Portfolio Loan borrowers.
3. Property value as determined by us. Generally, Lender’s Mortgage Insurance is required on loans above 80% of the value of the property offered as security.
4. Subject to systems availability and maintenance.
5. Limits apply before break costs become payable under a fixed rate sub-account.
6. Subject to the bank’s approval.
7. On fixed rate loans only. A fee applies for each approved request.
