Refinance for more features and lower repayments
Stay in the home you love, ditch the loan you don’t.
Momentum Home Loan
Owner Occupied | Principal & Interest | LVR<60% Special Offer5
If your needs have changed since you bought your home, it might be time to switch. With our Momentum Home Loan you can consolidate debts, unlock equity, or simply move to a better deal — all with a lower rate, less fees and more features that keep your money where it counts. Plus, for a limited time you can save up to $1000 on valuation fees.5
| Feature | What’s in it for you? |
| No monthly or establishment fee | Keep more money in your pocket from day one. With no ongoing or upfront fees, every dollar you pay goes straight towards reducing your loan, not wasted on extras. |
| 100% offset account | Link your savings to your loan and watch the interest shrink. A full offset account helps you save smarter, cut down what you owe, and shorten your loan term without changing your lifestyle. |
| Redraw available3 | Life doesn’t always go to plan. With redraw, you can access the extra repayments you’ve made whenever you need them, giving you the flexibility to handle the unexpected. |
| Unlimited extra repayments |
Stay in control of your loan by paying it down faster, whenever it suits you. Make as many additional repayments as you like, on your own terms. |
| Balance | Principal & Interest | |
| Interest Rate | Comparison Rate | |
| Less than 60% LVR | 5.79% p.a. | 5.84% p.a. |
| Between 60 - 80% LVR | 5.89% p.a. | 5.94% p.a. |
| Greater than 80% LVR | 5.99% p.a. | 6.04% p.a. |
| Features | |
| Minimum Amount | $100,000 |
| Maximum LVR | 80% (dependant on loan purpose and security offered) |
| Maximum LVR with Lenders Mortgage Insurance | 95% (subject to approval)4 |
| Get Ahead Start Guarantor (borrow up to 100% LVR) | Yes |
| Maximum loan term | 30 years |
| Interest calculation | Calculated daily, charged monthly |
| Repayment type | Principal & Interest |
| Repayment frequency | Weekly, fortnightly or monthly |
| Establishment fee | $0 |
| Monthly loan fee | $0 |
| Package fee | $0 |
| Extra repayments | Unlimited |
| Interest offset | Yes |
| Redraw | Free3 |
| Pre-approval | Yes |
| Loan preparation fees | At cost |
| Increase/top up | Yes |
| Second mortgage security | Yes |
| Vacant land as sole security | Yes |
Save with our special offer
We’ll waive valuation fees up to $1,000, for a limited time only.5
Apply in under 15 minutes
You’ll need your income and expense details, and information on existing loans or financial commitments.
Talk to an expert
Support at every step, from budgeting to buying your first home.
Our awards
Our Momentum Home Loan has achieved great success being independently recognised by finance industry expert Finder for achieving great value, flexibility and innovative features.
