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Thinking about investing in property?
Investing in property can be a great way to build wealth, but it can also feel nerve-racking. How much can I borrow? What will it cost me to hold? Should I choose interest-only or principal and interest? What is equity and how can I use it?
Our step-by-step guide explains the terms and options in plain English, what to weigh up before you invest, and includes practical tools to help you decide what’s right for you.
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Home loans explained
Variable interest rates
A rate that can move up or down over time. This means your repayments may increase or decrease as market rates change.
Fixed interest rates
A rate that stays the same for a set period. It keeps your repayments predictable during the fixed term. While a fixed rate insulates you from potential rate rises, you won’t benefit if rates fall.
Loan-to-Value Ratio (LVR)
The percentage of a property’s value that you’re borrowing. A lower LVR generally means lower risk and access to better loan options.
Principal and interest
Repayments that reduce both your loan amount (principal) and the interest charged. This helps you pay down your loan over time.
Interest-only
Repayments that cover only the interest for a set period. Your loan amount (principal) doesn’t reduce during this time.
Offset account
An eligible transaction account linked to your home loan. The balance of an offset account reduces the amount of interest you're charged on your home loan while keeping your money accessible.
Example: If your home loan is $400,000 and you have $20,000 in your offset account; you only pay interest on $380,000.
Redraw
Redraw lets you access extra repayments you’ve already made, helping you pay your loan off faster while keeping flexibility when you need it.
Available on variable loans or the variable portion of your loan. Also available on Your Way Plus fixed-rate loans, up to the annual early repayment threshold.