Use Loan Structuring to pay off your home loan sooner and position for wealth creation.

Our loan products are designed for customer specific solutions. We call this Loan Structuring.

If you want us to help you buy your first home, reduce your debt or even create wealth, we’ll come up with a uniquely structured approach to meet your specific requirements and may help you save thousands.

Here’s how it works!

1. Effective use of your income (cashflow)

Have all your available income or cashflow deposited direcly into your All-in-one home loan account to reduce the amount of interest you pay.

With the All-in-one account you have access to all the banking facilities you need such as internet & telephone banking, EFTPOS, cheque & deposit book, BPAY, salary crediting and direct debits with no electronic transaction fees!

2. Never pay credit card interest again with the amazing NIVA (Nil Interest VISA) card

Use your NIVA card for all your monthly expenses including cash withdrawals interest free for 30 days. This helps you further reduce your interest charges by allowing you to leave your cashflow in your home loan account for up to 30 days. Unlike other lenders who will charge you excessive credit card rates if you don’t have enough money to pay off your credit card in full at the end of the month, we will simply add this to your All-in-one account at your home loan rate.

Your NIVA also gives you access to your All-in-one loan account using EFTPOS with no annual fee or electronic transaction fees. You can also arrange direct debits from your NIVA.

3. Prevent over spending yet retain flexibility

Combine your All-in-One account with our Advantage Rate Loan and get the best of all worlds. With principal & interest repayments on your Advantage Rate Loan you will ensure you are always paying off your loan whilst retaining the flexibility of the All-in-One account. Also, the interest rate on your Advantage Rate Loan is one of the most competitive in the market.

4&5. Create Wealth


Use loan structuring to maximise the tax benefits from wealth creation if you are buying investment properties or shares.

Contact us today or contact your professionally accredited Mortgage Consultant.