This type of Home Loan is the most common loan taken out by borrowers today. In the old days banks used to promote  “honeymoon” rates which used to provide the customer with a discount o the rates for a short period of time. Usually between 6-12 months. But today banks now offer a discount on the rate for the life of the loan.

A fixed interest loan allows you to fix your interest rate for a period of time usually up to 5 years.
A Split loan allows you to split your home loan to fix a certain portion of the loan but still keeping the remainder of the loan as a variable rate loan.
The advantages of Fixed Rate Loans is knowing your monthly repayments will not change for the period of the fixed rate and in times of rising interest rates give you some peace of mind knowing you are locked in at a certain rate.

Line of credit loans give the borrower the flexibility to draw funds from their loan up to their line of credit facility. This type of facility is best suited to people who have excess disposable income and may require funds at times to cover business expenses or investment opportunities.

Non conforming loans may suit customers who have some sort of credit impairment or do not fit into the traditional 'bank' product. Interest rates will vary depending on the circumstances of each application.

Low Doc Loans may suit self-employed customers who have not yet completed their financials or tax returns. Proof of income for these types of loans is not required, and can suit clients that have only been in self-employed a short time.

This type for loan is designed for customers that have either unusual income streams that don’t fit traditional lender guidelines. For example these days casual employment is becoming more popular and this type of loans can help. This is due to most of lenders don’t not normally liking casual income.

This type of loan allows you to buy a new property before you have sold your existing one. Bridging loans are subject to the amount of equity in your existing property and you may not need to make repayments on the new loan until your existing property has been sold.