Design Your Own Home Loan

1. Which way are interest rates moving?
2. Does interest-only suit you best?
3. Use your loan facility like an overdraft account?
4. Do you want to be able to apply a lump sum in part reduction of your loan?
5. Change your mind?
6. What are the advantages of a Cairns Lockie home loan?

Which way are interest rates moving?

Why not split your loan in two: fix the interest rate on one part and leave the remainder of the loan variable. You choose the relative proportions. If you like, each portion can be for a different length of time.

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Does interest-only suit you best?

You can have a stand alone interest-only loan (for a five year term, variable or fixed). Or your loan can be partly interest-only and partly table. This is ideal for investors.

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Use your loan facility like an overdraft account?

Our variable rate Line-of-Credit loan is similar to a bank overdraft. You can draw, repay and redraw again.  Operate it alongside your existing overdraft and enjoy lower interest rates.  Or have part of your loan on a reducing table basis and part on a Line-of-Credit basis, for maximum flexibility.

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Do you want to be able to apply a lump sum in part reduction of yor loan?

You can with our variable rate loans. At any time, with no early repayment fees.

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Change your mind?

Did you repay too much? Why not redraw what you need? Would you like to fix your interest rate? No problem.

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What are the advantages of a Cairns Lockie home loan?

Flexibility

Our loans are flexible. You can mix and match several types of loan. You can convert variable rate to fixed. You can redraw to cover that unforeseen situation. If you get a windfall, you can pay a lump sum off your variable rate loan.

Personal service

We can help you choose which loan is right for you. We are available when you need us. Call our 0800 number. We can visit you, at home. Would you like to receive our email information updates? We would be happy to put you on our circulation list.

Fast Loan Approvals

We can usually give you a conditional approval within 24 hours of receiving your completed loan application.

Great rates

Without an expensive branch structure, we are cheaper than many traditional sources of finance. You get the benefit.

Low fees

We offer a low establishment fee.  We have no transaction fees.  There are no additional fees if you want to redraw or make an extra payment on a variable rate loan.  There are no fees to switch from a variable rate loan to a fixed rate loan.

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