Breakthrough Loan

If you want to buy a home and think you can't borrow enough, or want to reduce your monthly loan repayments, the Breakthrough Loan could be the home loan you're looking for.

With the Breakthrough Loan, you can borrow up to 35% more than you'd normally be eligible for, without increasing your loan repayments.

If you want to refinance your home loan, the Breakthrough Loan could substantially reduce your monthly loan repayments.

This is possible through a shared appreciation arrangement, which means that you share a portion of the home's change in value with us when the property is sold.

The Breakthrough Loan is combined with another HomeStart Loan that suits your situation.

Benefits

Increased borrowing power or refinance to reduce monthly repayments
Fixed, split and variable rate options
No Lenders Mortgage Insurance
Redraw on additional payments
Repayment Safeguard
Options to pay weekly, fortnightly or monthly

Not sure which loan is right for you? Compare our loans and find out more.
» Our Breakthrough Loan calculator shows how much you could borrow
» Our Breakthrough Refinance calculator shows how much you could save on refinance