Personal loans

Whether it's for a holiday, to buy some furniture, pay for a uni course or even get married, we’re here to make your dreams a reality.

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The process

From a quick chat to settlement, these are the steps to owning your first home.

1
Say hello

Get in touch to discuss your current financial situation and goals, in person or online.

2
Research, research, research

We’ll compare multiple lenders and create a shortlist to suit your situation.

3
Understand the potential

Once you’ve chosen a lender, we'll get you pre-approved so you know how much you can borrow and understand the repayment plan.

4
Get sorted

With pre-approval in place, you can now get your plans in place.

5
Secure the finance

Once you’re ready to push the button, we’ll work to secure finance from your lender.

6
Done!

Book that holiday, get married, pay for a uni course. Whatever your plans, make it happen.

Loan types and features.

From a quick chat to settlement, these are the steps to owning your first home.

Secured loans

You provide collateral (such as the car or property) as security against the loan in case you can't afford your repayments.Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.

Unsecured loans

No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.

Variable rate loan

As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises.
These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.

Secured loans

You provide collateral (such as the car or property) as security against the loan in case you can't afford your repayments.Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.

Unsecured loans

No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.
Interest rates can be higher than a secured loan and you might not be able to borrow as much.

Fixed rate

Your interest rate and repayments will stay the same during the fixed term of your car loan.

Secured loans

You provide collateral (such as the car or property) as security against the loan in case you can't afford your repayments.Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.

FAQs for first home buyers

We’ve got your questions covered.

What can I use a personal loan for?

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Do I need pre-approval for a personal loan?

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