SERVICE ONE's Standard Variable Home Loan boasts numerous features to help you get the most out of your loan and gives you the ability to make extra repayments to help you pay off your loan sooner. A summary of this loan's features is offered below:

Flexible repayments
Monthly repayments, or your choice of fortnightly or weekly - helping you reduce the term of your loan, saving you money.

Competitive interest rate

 5.75% p.a. (interest rate) 5.84% p.a. (comparison rate)^. View all our interest rates. Additional variable and lump sum repayments

Own your home sooner by making variable and lump sum repayments.

Redraw facility
Extra repayments can be made against your loan at any time, reducing the principal outstanding and consequently reducing the interest charged against the loan. You can withdraw part or all of these extra repayments.

100% loan offset facility+~
Link up to two Day to Day Savings Accounts to offset your savings balances against your loan balance.

Tailored borrowing amounts
We lend up to 80% of the property value or up to 97% of the property value with Lender's Mortgage Insurance.

Top up facility
Use our simple top up facility to borrow extra funds against your loan.

Auto repayments (salary/account)
Easy and convenient repayments to avoid late fees.

Loan Repayment Insurance
This insurance helps you cover your loan repayments should the unexpected occur.

In addition:
You can choose to split your loan between variable and fixed rates - at a ratio that suits you!  Conditional approval can be granted quickly upon receipt of your application. You will take advantage of discounts on your everyday banking and be exempt from the monthly Membership Service Fee.*
By having a home loan with SERVICE ONE, you can enjoy a Visa card at the Standard Variable Home Loan rate.  You can access a Deposit Power Guarantee if you need help with the cash deposit on a residential property purchase.