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Loan Features
Our Super Mortgage Loans can be used:
- To buy a home to live in or as an investment property.
- To refinance/consolidate your existing loan or loans.
- To renovate your home.
- For any worthwhile purpose - including buying a car or going on holidays.
When you come home to Chifley, you'll be pleased to find that we've taken all the hard work out of getting and maintaining your home loan. We've even made it easy to compare how our home loans stack up:
| Features
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| Application fee
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$0
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| Monthly account keeping fee
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$0
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| Split loan fee
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$0
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| Redraw facility fee
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$0
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| Maximum term
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30 years*
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| Maximum loan
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up to 95% of property value*
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Super Mortgage Loan and Super Investment Loan
These award winning loans are our most popular loan types. Whether you are buying or refinancing an owner occupied or investment property, we'll now give you a 5 star solution to back our 5 star personal service.
Our Super Mortgage and Super Investment Loans have a great ongoing variable interest rate with no application fee and no ongoing account keeping fees. You can apply for up to 95% of the property value with mortgage insurance, or up to 80% without. Loans can be taken over a maximum term of 30 years.
You can make extra and lump sum repayments without any restrictions which allows you to use any extra funds to reduce interest and pay out your loan faster. Our free redraw facility means you always have access to these extra repayments as it allows you to withdraw any advance repayments whenever you need to (conditions apply).
Super 3 Year Fixed Rate Loan
Our Super 3 Year Fixed Rate Loan gives you the security of knowing what your repayments will be for the next 3 years. After maturity, the loan reverts to the variable interest Super Mortgage Loan interest rate or can be re-fixed at the then current rate for a further term. There are no fees to fix your rate or to split your loan into part fixed and part variable interest.
Super Equity Access Loan
Our Super Equity Access Loan is a line of credit facility that allows you to access the equity in your home to use for any worthwhile purpose: other investments, renovations and extensions, even a holiday.
Funds may be accessed by electronic transfer, BPAY and by Visa debit card.
 In fact, you may never have to apply for another loan again. This mortgage
loan works like an overdraft where you can direct all of your income to reduce the outstanding balance.
As interest is calculated on a daily balance, the more you pay in, the sooner you pay off your mortgage, potentially saving you
thousands of dollars
in interest.
We also have a Home Building Loan option that can be used to purchase vacant residential land or to build a new home, including house and land packages (conditions apply).
The First Home Owners Grant
If you are a first home buyer, ask us about the government's First Home Owners Grant Scheme. Eligible first home owners can receive the grant regardless of their income, location, or the value of the first home.
For more information on these or any other of our competitive loans, telephone 1800 800 002.
* Conditions apply
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