Residential Loans
FEATURED LOAN - 5.96% MAXIMISER PRO X - P&I Only
A fully featured and flexible loan that you can mix and match to suit your needs. Best of all, an interest rate that will knock you out! P & I option only.
Use the 100% offset account to reduce the amount of interest payable and pay all your expenses off the attached VISA card.
Products recommended for: Home buyers, refinances, investors
STANDARD TERM LOAN
Are you looking for simplicity? Would you like a loan that offers a range of features whilst at the same time remaining uncomplicated and easy to manage?
Please take some time to consider our Advantage Plus Home Loan term loan product. This product has been specifically designed to take the “worry” out of having a mortgage.
Products recommended for: All
100% OFFSET LOAN
 Do you have some surplus funds earning a moderate rate of interest where you have to declare that earning at the end of the financial year? Would you like to fully utilise the income you earn and put it to work for you?
If you answered yes to either of the above questions, then our Advantage Plus 100% Offset Loan is right for you. Read about the benefits for yourself and see how even a small amount of savings in your Offset account can potentially save you thousands in interest and years off your loan term.
N.B. Incredibly, available whilst on a fixed rate too!
Product recommended for: All
FIRST HOME BUYER LOAN
 “Calling all first home buyers” As a first home buyer, just like your home, you want your loan to be just right! Well, our Advantage Plus First Home Buyer Loan is packed with a range of standard features exclusive benefits for our First Home Buyer Club member.
Check out our First Home Buyer Club….. membership is free and you will be pleasantly surprised by the benefits to be enjoyed.
Product recommended for: First Home Buyers
INVESTMENT LOAN
 If you are a seasoned investor or just looking to embark on a wealth creation path, the Investor Advantage and Wealth Maximiser/Investor Assist loans are right for you.
Using simple, yet sophisticated loan facilities, borrowers are able to structure their home, personal and investment loans that not only enable them to maximise and enhance their investment portfolio but also better manage their cash flow.
Product recommended for: Investors (both new and established)
LINE OF CREDIT
 The Line of Credit facility is available for personal, investment or business purposes. Our Advantage Plus Line of Credit facility has been designed to suit a range of applicants. Whether it is a stand-alone facility for the business type of borrower or an “add-on” account for a home owner or investor, we can tailor a Line of Credit to suit your needs.
Simply deposit a combination of income and savings into your Line of Credit account and each dollar will reduce the interest you pay on your loan.
Product recommended for: self employed applicants, investors, home owners.
LAND AND BUILDING LOAN
 A Standard Variable / Fixed Rate loan for the purchase or refinance of approved new dwelling construction by fully licensed professional builders – no owner builders. Austral’s Advantage Plus Construction Loan offers you all the benefits of a fully featured home loan whilst in the construction period.
Let us help take away some of the stress associated with the building process.
Product recommended for: Home owners, first home buyers, investors.
BRIDGING LOAN
 Our Advantage Plus Go Between Loan (Bridging Finance) offers you an easy way to purchase or build a new home before you sell your existing one. Rather than needing to make two sets of loan repayments while you are selling your existing home, no repayments are required on the new home loan for the Go Between period. The length of your Go Between period depends on whether you are buying or building your new home.
Product recommended for: home owners.
LO DOC LOAN
If you are self employed or a full time salaried employee and are unable to provide documentary evidence of your income, then our Advantage Plus Lo Doc Term Loan and/or Line of Credit facility are tailored for your needs.
Whilst you may pay a slightly higher interest rate, you will receive all the benefits and flexibility of a fully featured standard loan.
Product Recommended for: self employed applicants, PAYG applicants
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