A wide range of home loan options available at your fingertips

If you wish to discuss the options available to vary your home loan with us, please contact our Customer Care team on 1300 658 489.

Loan Options for Existing clients

If you’d like lower repayments in the early years of your home loan, look no further than our Easy Start product.

You benefit from discounted rates for the first 3 years – that’s 2 years more than many other lenders – and what you save in repayments you can use for other expenses such as furniture or landscaping. It’s ideal whether you’re a first home buyer or refinancing.

Product Key Benefits:

  • Honeymoon rates for 3 years
  • The ongoing rate is guaranteed to stay below the standard variable rate
  • 100% offset facility and free redraw of $100 or more
  • Option to make extra repayments at any time
  • Option to apply to switch to another product after only two years
  • Lifestyle Option available
Fees and conditions apply.
Our SmartWay Pro Pack product is a fully transactional home loan with money management facilities to help you own your home sooner.

You’ll enjoy a discount off the standard variable rate for the life of your loan and it’s available for loans of $150,000 or more – there are no other special qualifying criteria.

Product Key Benefits:

  • Discounted interest rate for the life of your loan:
    • 0.7% p.a. discount for loans $250,000+
    • 0.6% p.a. discount for loans $150,000+
  • Available for loans of $150,000 or more
  • 100% Offset facility and free redraw
  • Make extra repayments at any time
  • Lifestyle Option available
Fees and conditions apply.
With our Standard Pro Pack Home Loan you’ll enjoy a 0.8% discount off the standard variable rate for the life of your loan.

To qualify, you just need to borrow $500,000 or more. Plus you benefit from a 100% Offset facility and free redraw.

Product Key Benefits:

  • 0.8% pa discount for the life of your loan
  • Available for loans of $500,000 or more
  • Make extra repayments of $500 or more
  • 100% Offset facility and free redraw
  • Lifestyle Option available
Fees and conditions apply.
Our Line of Credit Pro Pack Home Loan is the easy, affordable way to access the equity in your home when you need it, whether it’s for investments or other purchases. It has a discounted rate for the life of your loan and is available for loans of $150,000 or more.

You can access funds up to your approved credit limit, via ATM, EFTPOS and chequebook, and you only pay interest on your outstanding balance. It’s a flexible alternative to high interest credit facilities. Plus there’s no need for regular repayments during the first 10 years, if you are below your credit limit.

Product Key Benefits:

  • Available for loans of $150,000 or more
  • Interest capitalisation for the first 10 years (no regular repayments required if below your credit limit)
  • Make extra repayments at any time
  • Lifestyle Option available after first 10 years
Fees and conditions apply.
If you’re looking for an easy-to-manage home loan, our Basic Home Loan is ideal.

You’ll enjoy 100% Offset facilities and have access to extra features at any time. But you’ll only be charged for them when you use them.

Product Key Benefits:

  • No Account Keeping Fee minimises your on-going costs
  • Option to make extra repayments of $2000 or more
  • Access to extra repayments via redraw facility (minimum $2000)
  • Up to 5 years interest-only repayment option
  • Lifestyle Option available
  • Apply to upgrade to a fully-featured home loan at any time
Fees and conditions apply.
Our Zero product is an easy to manage home loan with no account keeping fee and a great rate.

It has a 100% Offset facility and is perfect for owner-occupiers as well as investors. Plus you can access extra features when you need them.

Product Key Benefits:

  • Zero account keeping fee, minimises your on-going costs
  • Make extra repayments of $500 or more
  • 100% Offset facility
  • Free redraw of $200 or more
  • Up to 5 years interest only repayment option
  • Lifestyle Option available
  • Upgrade to a fully-featured home loan at any time
Fees and conditions apply.
Choose a RHG Investor Home Loan and you’ll enjoy the benefits of a great low rate and up to 10 years of interest only repayments, to help you minimise your outgoings.

Plus you won’t pay for features that as a property investor, you probably don’t need.

Product Key Benefits:

  • Up to 10 years interest only repayments
Fees and conditions apply.
If you want a transactional home loan with money management facilities, our SmartWay could be perfect for you. You can pay your salary straight into your home loan and access any extra payments via ATM, EFTPOS and chequebook.

Since interest is accrued daily, any extra payments will reduce your interest payments, as well as your outstanding loan balance – possibly helping you to own your home sooner.

Product Key Benefits:

  • No Account Keeping Fee minimises your on-going costs
  • 100% Offset facility
  • Make extra repayments at any time
  • Free redraw
  • 5 year interest-only repayment option
  • Lifestyle Option available
Fees and conditions apply.
The Standard Variable Home Loan is a standard home loan account for loans of $50,000 or more.

It includes extra features such as 100% Offset facilities and free redraw.

Product Key Benefits:

  • Make extra repayments of $500 or more at anytime
  • 100% Offset facility
  • Free redraw of $100 or more
  • Up to 5 years interest only repayment option
  • Lifestyle Option available
Fees and conditions apply.
If you’re borrowing $150,000 or more, you can enjoy a 0.7% p.a. discount off the standard variable rate for the life of your loan with a Self-Employed Pro Pack Home Loan.

Product Key Benefits:

  • A discounted interest rate for the life of your loan
  • Available for loans of $150,000 or more
  • 100% Offset facility
  • Make extra repayments of $500 or more
  • Free redraw of $100 or more
  • Apply to switch to another home loan after two years (you may need to supply full financials)
Fees and conditions apply.
When you’re self-employed, your time is at a premium. A Low Doc Home Loan is an easy, straight forward solution, with no need for full financials, plus you benefit from a range of features like 100% Offset facility and redraw.

Product Key Benefits:

  • 100% Offset facility
  • Make extra repayments of $500 or more
  • Free redraw of $100 or more
Fees and conditions apply.
You’ll receive a preferential rate for the life of your loan, and there’s no need to provide full financials.

Plus you’ll benefit from 100% Offset facility, free redraw and up to 5 years of interest only repayments.

Product Key Benefits:

  • 100% Offset facility
  • Make extra repayments of $500 or more
  • Free redraw of $100 or more
Fees and conditions apply.
The SmartWay Low Doc Home Loan is ideal if you’re self-employed and want money management facilities to help you pay off your loan sooner.

It has a 100% Offset facility and a range of access options including ATM, EFTPOS and chequebook.

Product Key Benefits:

  • 100% Offset facility
  • Extra repayments at anytime and free redraw
  • Apply to switch to another home loan after two years (you may need to supply full financials)
Fees and conditions apply.
If you want easy, flexible access to the equity in your home and you’re self-employed, a Line of Credit Home Loan could be the perfect choice for you. You only pay interest on the amount you draw down, and there’s no need to make regular repayments in the first 10 years if you’re below your credit limit. So it’s ideally suited to irregular cash flow.

Product Key Benefits:

  • Easy access to equity at a competitive home loan rate
  • Interest capitalisation for the first 10 years (no regular repayments required if below your credit limit)
  • Ability to switch to another home loan after two years (you may need to supply full financials)
Fees and conditions apply.

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