Fact Sheets

Plain-English explanations of common lending products and features

These fact sheets explain how specific loan products and features work.

They are designed to support understanding — not provide personal advice.

Home loan products

• Fixed Rate Home Loans — Fact Sheet
• Variable Rate Home Loans — Fact Sheet
• Split Loans — Fact Sheet
• Interest-Only Loans — Fact Sheet

Loan features & flexibility

• Offset Accounts & Redraw Facilities — Fact Sheet
• Credit Cards & Home Loans — Fact Sheet

Deposits, guarantees & lender risk

• Lenders Mortgage Insurance (LMI) — Fact Sheet
• Family Pledge / Guarantee — Fact Sheet

Short-term & restructuring options

• Bridging Loans — Fact Sheet
• Debt Consolidation — Fact Sheet

Important note

These fact sheets explain how products work, not whether they are suitable for you.

Many people read one or two, then return later or speak to a broker.

Start Here (if you’re not sure which apply)