At a glance
- Pricing
- Rates on application
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
Fees
9 fees published, grouped by when they're charged.
When you take it out8
- Discharge Administration Fee$1,500
- Loan Account Variation Fee$300
- Loan Establisment Fee1.50% of balance
- Loan Facility Variation Fee$375
- Loan Risk Fee
Minimum Loan Risk Fee
0.00% of balance - Loan Risk Fee
Maximum Loan Risk Fee
5.00% of balance - Loan Settlement Fee$750
- Valuation Fee$250 to $15,000
When particular things happen1
- Progress Payment Inspection Fee$450 to $1,500
Features
Offset accountRedrawExtra repaymentsDigital banking
- Flexible Repayment Options
- Multiple Split Loans
- Cash out enables you to withdraw equity from your property when refinancing or increasing your loan. The released funds can be used for purposes such as renovations, investments, or other approved ex…
Eligibility and limits
- Minimum age 18
- Residency: New Zealand Citizen and does not reside in Australia or New Zealand (Expatriate Borrower)
- Available to businesses
- Maximum LVR 80%
- Minimum balance $250,000
- Trustee of a Trust
- Maximum Loan Term 2 Years
- Residential, Commercial in line with postcode matrix
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Published by ColCap Private under the Consumer Data Right, last changed by them on 27 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.