A split loan is when you divide your home loan balance into two loan accounts - meaning you can nominate a portion of the loan to have a fixed interest rate and the remainder could have a variable interest rate.

A variable rate home loan is a home loan with an interest rate that may change over time. If you choose a variable rate home loan, you may be able to take advantage of any interest rate decreases over your loan’s term.

An offset account is an everyday bank account that is linked to your variable home loan account, with the following features and benefits.

A principal and interest loan is a type of loan in which the borrower makes regular payments that include both the principal (the original amount borrowed) and the interest (the cost of borrowing the money).

A fixed-rate home loan is a type of mortgage where the interest rate is set for a specified period of time and does not change, regardless of changes in the market interest rates