Whether you're a first time buyer or looking to remortgage, we offer different levels of flexibility and security across all our mortgages, subject to a maximum Loan To Value (LTV). The loan to value represents the percentage of the value of the property which you want to borrow. E.g. a $100K property with an $80K mortgage = an 80% LTV.
The rates shown below are available for new and existing mortgage customers.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us
Fixed Rate Mortgages
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
2.89% |
4.19% |
2 Years fixed rate until 31.07.21 |
4.0%
|
$0 |
10% |
$ 400,000 |
| 3 Year Fixed Fee Saver |
3.29% |
4.19% |
3 Years fixed rate until 31.07.22 |
4.0% APRC |
$0 |
10% |
$ 400,000 |
| 5 Year Fixed Fee Saver |
3.49% |
4.19% |
5 Years fixed rate until 31.07.24 |
4.0%
|
$0 |
10% |
$ 400,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
2.89% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
4.0%
|
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
3.29% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
4.0% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
3.49% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.0%
|
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
2.19% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9%
|
$0 |
10% |
$ 400,000 |
| 2 Year Fixed Standard |
1.89% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 400,000 |
| 3 Year Fixed Fee Saver |
2.39% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.8%
|
$0 |
10% |
$ 400,000 |
| 3 Year Fixed Standard |
2.14% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.8%
|
$999 |
10% |
$ 400,000 |
| 5 Year Fixed Fee Saver |
2.44% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.6%
|
$0 |
10% |
$ 400,000 |
| 5 Year Fixed Standard |
2.29% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.6%
|
$999 |
10% |
$ 400,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
2.19% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9%
|
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.89% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
2.39% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.8%
|
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
2.14% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.8%
|
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
2.44% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.6%
|
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
2.29% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.6%
|
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
2.09% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$0 |
10% |
$ 400,000 |
| 2 Year Fixed Standard |
1.74% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 400,000 |
| 3 Year Fixed Fee Saver |
2.24% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.8% APRC |
$0 |
10% |
$ 400,000 |
| 3 Year Fixed Standard |
1.99% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.8% APRC |
$999 |
10% |
$ 400,000 |
| 5 Year Fixed Fee Saver |
2.29% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.5% APRC |
$0 |
10% |
$ 400,000 |
| 5 Year Fixed Standard |
2.09% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.5% APRC |
$999 |
10% |
$ 400,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
2.09% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.74% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
2.24% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.8% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
1.99% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.8% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
2.29% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.5% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
2.09% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.5% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 400,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
2.04% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$0 |
10% |
$ 1,000,000 |
| 2 Year Fixed Standard |
1.64% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 1,000,000 |
| 3 Year Fixed Fee Saver |
2.19% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$0 |
10% |
$ 1,000,000 |
| 3 Year Fixed Standard |
1.94% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$999 |
10% |
$ 1,000,000 |
| 5 Year Fixed Fee Saver |
2.29% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.5% APRC |
$0 |
10% |
$ 1,000,000 |
| 5 Year Fixed Standard |
2.09% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.5% APRC |
$999 |
10% |
$ 1,000,000 |
| 10 Year Fixed Fee Saver |
2.99% |
4.19% |
10 Years fixed rate until 31.07.29 |
3.4% APRC |
$0 |
10% |
$ 1,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
2.04% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.64% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
2.19% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
2.29% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.5% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
2.09% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.5% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate* |
2.99% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
10 Years fixed rate until 31.07.29 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
1.94% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$0 |
10% |
$ 2,000,000 |
| 2 Year Fixed Standard |
1.54% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 2,000,000 |
| 2 Year Fixed Standard Buy To Let |
2.54% fixed |
5.25% |
2 Years fixed rate until 31.07.21 |
4.9% APRC |
$349 |
10% |
$ 1,000,000 |
| 2 Year Fixed Standard Buy To Let |
2.04% |
5.25% |
2 Years fixed rate until 31.07.21 |
5.0% APRC |
$1999 |
10% |
$ 1,000,000 |
| 3 Year Fixed Fee Saver |
1.99% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$0 |
10% |
$ 2,000,000 |
| 3 Year Fixed Standard |
1.74% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$999 |
10% |
$ 2,000,000 |
| 5 Year Fixed Fee Saver |
2.09% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$0 |
10% |
$ 2,000,000 |
| 5 Year Fixed Standard |
1.94% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$999 |
10% |
$ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
3.09% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.5% APRC |
$349 |
10% |
$ 1,000,000 |
| 5 Year Fixed Standard Buy To Let |
2.79% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.6% APRC |
$1999 |
10% |
$ 1,000,000 |
| 10 Year Fixed Fee Saver |
2.64% |
4.19% |
10 Years fixed rate until 31.07.29 |
3.2% APRC |
$0 |
10% |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.54% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.54% fixed |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
4.9% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.04% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
5.0% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
1.99% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
1.74% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
2.09% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
3.09% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.5% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.79% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.6% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 1,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate* |
2.64% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
10 Years fixed rate until 31.07.29 |
| Overall cost for comparison (APRC)* |
3.2% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
1.94% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$0 |
10% |
$ 3,000,000 |
| 2 Year Fixed Standard |
1.54% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 3,000,000 |
| 2 Year Fixed Premier Standard |
1.50% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$1499 |
10% |
$ 3,000,000 |
| 3 Year Fixed Fee Saver |
1.99% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$0 |
10% |
$ 3,000,000 |
| 3 Year Fixed Standard |
1.74% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$999 |
10% |
$ 3,000,000 |
| 3 Year Fixed Premier Standard |
1.71% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$1499 |
10% |
$ 3,000,000 |
| 5 Year Fixed Fee Saver |
2.09% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$0 |
10% |
$ 3,000,000 |
| 5 Year Fixed Standard |
1.94% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$999 |
10% |
$ 3,000,000 |
| 5 Year Fixed Premier Standard |
1.91% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$1499 |
10% |
$ 3,000,000 |
| 10 Year Fixed Fee Saver |
2.64% |
4.19% |
10 Years fixed rate until 31.07.29 |
3.2% APRC |
$0 |
10% |
$ 3,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.54% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
2 Year Fixed Premier Standard |
| Initial interest rate* |
1.50% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
1.99% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
1.74% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
3 Year Fixed Premier Standard |
| Initial interest rate* |
1.71% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
2.09% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate* |
1.91% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate* |
2.64% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
10 Years fixed rate until 31.07.29 |
| Overall cost for comparison (APRC)* |
3.2% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 3,000,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
2.39% |
5.25% |
2 Years fixed rate until 31.07.21 |
4.9% APRC |
$349 |
10% |
$ 2,000,000 |
| 2 Year Fixed Standard Buy To Let |
1.89% |
5.25% |
2 Years fixed rate until 31.07.21 |
5.0% APRC |
$1999 |
10% |
$ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
2.84% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.4% APRC |
$349 |
10% |
$ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
2.59% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.5% APRC |
$1999 |
10% |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate* |
2.39% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
4.9% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate* |
1.89% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
5.0% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.84% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.4% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.59% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.5% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage | Initial interest rate* | Followed by a Variable Rate, currently* | Initial interest rate period* | Overall cost for comparison (APRC)* | Booking fee* | Annual overpayment allowance* | Maximum loan amount |
|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
1.84% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.8% APRC |
$0 |
10% |
$ 5,000,000 |
| 2 Year Fixed Standard |
1.54% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$999 |
10% |
$ 5,000,000 |
| 2 Year Fixed Premier Standard |
1.50% |
4.19% |
2 Years fixed rate until 31.07.21 |
3.9% APRC |
$1499 |
10% |
$ 5,000,000 |
| 2 Year Fixed Standard Buy To Let |
2.19% |
5.25% |
2 Years fixed rate until 31.07.21 |
4.8% APRC |
$349 |
10% |
$ 2,000,000 |
| 2 Year Fixed Standard Buy To Let |
1.69% |
5.25% |
2 Years fixed rate until 31.07.21 |
4.9% APRC |
$1999 |
10% |
$ 2,000,000 |
| 3 Year Fixed Fee Saver |
1.94% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$0 |
10% |
$ 5,000,000 |
| 3 Year Fixed Standard |
1.69% fixed |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$999 |
10% |
$ 5,000,000 |
| 3 Year Fixed Premier Standard |
1.66% |
4.19% |
3 Years fixed rate until 31.07.22 |
3.7% APRC |
$1499 |
10% |
$ 5,000,000 |
| 5 Year Fixed Fee Saver |
1.99% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$0 |
10% |
$ 5,000,000 |
| 5 Year Fixed Standard |
1.84% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$999 |
10% |
$ 5,000,000 |
| 5 Year Fixed Premier Standard |
1.81% |
4.19% |
5 Years fixed rate until 31.07.24 |
3.4% APRC |
$1499 |
10% |
$ 5,000,000 |
| 5 Year Fixed Standard Buy To Let |
2.74% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.4% APRC |
$349 |
10% |
$ 2,000,000 |
| 5 Year Fixed Standard Buy To Let |
2.49% |
5.25% |
5 Years fixed rate until 31.07.24 |
4.4% APRC |
$1999 |
10% |
$ 2,000,000 |
| 10 Year Fixed Fee Saver |
2.64% |
4.19% |
10 Years fixed rate until 31.07.29 |
3.2% APRC |
$0 |
10% |
$ 5,000,000 |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate* |
1.84% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.8% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate* |
1.54% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
2 Year Fixed Premier Standard |
| Initial interest rate* |
1.50% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
3.9% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.19% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
4.8% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Fixed Standard Buy To Let |
| Initial interest rate* |
1.69% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
2 Years fixed rate until 31.07.21 |
| Overall cost for comparison (APRC)* |
4.9% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
3 Year Fixed Fee Saver |
| Initial interest rate* |
1.94% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
3 Year Fixed Standard |
| Initial interest rate* |
1.69% fixed |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
3 Year Fixed Premier Standard |
| Initial interest rate* |
1.66% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
3 Years fixed rate until 31.07.22 |
| Overall cost for comparison (APRC)* |
3.7% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate* |
1.99% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate* |
1.84% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate* |
1.81% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
3.4% APRC |
| Booking fee* |
$1499 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.74% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.4% APRC |
| Booking fee* |
$349 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate* |
2.49% |
| Followed by a Variable Rate, currently* |
5.25% |
| Initial interest rate period* |
5 Years fixed rate until 31.07.24 |
| Overall cost for comparison (APRC)* |
4.4% APRC |
| Booking fee* |
$1999 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 2,000,000 |
| Mortgage |
10 Year Fixed Fee Saver |
| Initial interest rate* |
2.64% |
| Followed by a Variable Rate, currently* |
4.19% |
| Initial interest rate period* |
10 Years fixed rate until 31.07.29 |
| Overall cost for comparison (APRC)* |
3.2% APRC |
| Booking fee* |
$0 |
| Annual overpayment allowance* |
10% |
| Maximum loan amount |
$ 5,000,000 |
Tracker mortgages
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
2.09% |
4.19% |
2 Years |
4.0% |
$999 |
$ 400,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
2.09% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
4.0% |
Booking fee* |
$999 |
Maximum loan amount |
$ 400,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
1.69% |
4.19% |
2 Years |
3.9% |
$999 |
$ 400,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
1.69% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
3.9% |
Booking fee* |
$999 |
Maximum loan amount |
$ 400,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
1.59% |
4.19% |
2 Years |
3.9% |
$999 |
$ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
1.59% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
3.9% |
Booking fee* |
$999 |
Maximum loan amount |
$ 1,000,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
1.49% |
4.19% |
2 Years |
3.8% |
$999 |
$ 2,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
2.94% |
5.25% |
2 Years |
4.9% |
$349 |
$ 1,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
2.44% |
5.25% |
2 Years |
5.0% |
$1999 |
$ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
1.49% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
3.8% |
Booking fee* |
$999 |
Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate* |
2.94% |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
4.9% |
Booking fee* |
$349 |
Maximum loan amount |
$ 1,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate* |
2.44% |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
5.0% |
Booking fee* |
$1999 |
Maximum loan amount |
$ 1,000,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
1.49% |
4.19% |
2 Years |
3.8% |
$999 |
$ 3,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
1.49% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
3.8% |
Booking fee* |
$999 |
Maximum loan amount |
$ 3,000,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
2.79% variable |
5.25% |
2 Years |
4.9% |
$349 |
$ 2,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
2.29% variable |
5.25% |
2 Years |
5.0% |
$1999 |
$ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate* |
2.79% variable |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
4.9% |
Booking fee* |
$349 |
Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate* |
2.29% variable |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
5.0% |
Booking fee* |
$1999 |
Maximum loan amount |
$ 2,000,000 |
| Mortgage | Initial interest rate* |
Followed by a variable rate, currently* |
Initial interest rate period* |
Overall cost for comparison (APRC)* |
Booking fee* |
Maximum loan amount |
|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
1.49% |
4.19% |
2 Years |
3.8% |
$999 |
$ 5,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
2.59% variable |
5.25% |
2 Years |
4.9% |
$349 |
$ 2,000,000 |
| 2 Year Term Tracker Standard Buy To Let |
2.09% variable |
5.25% |
2 Years |
5.0% |
$1999 |
$ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate* |
1.49% |
Followed by a variable rate, currently* |
4.19% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
3.8% |
Booking fee* |
$999 |
Maximum loan amount |
$ 5,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate* |
2.59% variable |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
4.9% |
Booking fee* |
$349 |
Maximum loan amount |
$ 2,000,000 |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
Initial interest rate* |
2.09% variable |
Followed by a variable rate, currently* |
5.25% |
Initial interest rate period* |
2 Years |
Overall cost for comparison (APRC)* |
5.0% |
Booking fee* |
$1999 |
Maximum loan amount |
$ 2,000,000 |
Early Repayment Charges
- An Early Repayment Charge (ERC) applies to fixed rate mortgages. The ERC is calculated as 1% of the amount repaid early, above any annual overpayment allowance, for each remaining year of the period during which the ERC applies, reducing on a daily basis. However, (after taking your allowance into account) a maximum 5% of your overpayment will be charged.
- Pay your mortgage off early: An ERC is a charge you may have to pay if you repay the whole or part of your mortgage early. The ERC also applies if you switch your mortgage rate to another mortgage product.
- You'll have an annual overpayment allowance (AOA) to enable you to make additional payments during the fixed rate period without incurring an early repayment charge. The allowance is equivalent to 10% of the outstanding balance of your mortgage calculated on each anniversary of the start of your fixed rate period. Anything over this will incur an early repayment charge.
Your mortgage illustration
This information does not contain all of the details you need, so remember to read your individual mortgage illustration before you choose a mortgage. To get your illustration, use Find and Compare, where you’ll have an option to generate an illustration for any of the mortgages shown.
Your mortgage illustration sets out the details of all associated rates and fees for a mortgage product. This is in the same format for all lenders to enable customers to easily compare products.
Standard variable rate:
Our current standard variable rate for residential mortgages (which is referred to either as the Variable Rate or the Standard Variable Rate) is 4.19% and for Buy to Let mortgages (which is referred to as either the Buy to Let Variable Rate or as the Standard Variable Buy to Let Rate) is 5.25%, effective from 1st September 2018. These rates only apply when a fixed or tracker rate no longer applies.
Representative Example
A repayment mortgage of $153,225 payable over 30 years initially on a fixed rate for 2 years at 2.89% and then on our current variable rate of 4.19% (variable) for the remaining 28 years would require 24 monthly payments of $637.18 and 335 monthly payments of $742.28, plus one final payment of $740.44.
The total amount payable would be $264,696.56 made up of the loan amount plus interest ($111,471.56).
In this example, the overall cost for comparison is 4.1% APRC representative.
The above representative example is based on the highest APRC applicable to customers purchasing a property. Please note your actual costs and monthly repayments will vary.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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