Use your home loan to pay for the things you need

Did you know you can increase the total amount of your home loan to purchase things like a new car or pay for renovations? It’s called a Home Loan Top Up, and it can be a great way to access extra funds if you need them. It’s quick and easy to arrange via a phone appointment.

With your Home Loan Top Up you can

How to decide if a Home Loan Top Up is right for you

The amount you can add to your home loan depends on a few things, like the total value of your loan, the equity in your property, your credit history, the type of loan you have, and your ability to meet increased mortgage repayments.

Topping up your home loan does mean borrowing more money and increasing your debt, so before you make any changes to your loan, make sure you’re comfortable with any potential changes to your repayments.

There are also some things you can’t use a Home Loan Top Up for like business expenses or tax debts, so if you’re still unsure whether it’s right for you just give us a call. We’re always happy to chat through your options with you.

Top up’s are not available for customers on fixed rate home loans.

Rates and Fees:

  • $350 upfront establishment fee
  • Home loan fees and charges and interest rates will also still apply.
For further information on fees and charges refer to the Fees & Charges for Household Lending

Ready to Top Up? It’s quick and easy. Here’s how:


Fill out the form below and we’ll give you a call

To make things as quick and efficient as possible, please make sure you have the following ready before we call you:

  • Identification Document, License or Passport is best. We’ll also check your credit history
  • Details of your current income, including your 2 latest payslips or financials if Self Employed. If you want to use other income we may need something else to verify it
  • An estimate of your current living expenses
  • Details about new loans or liabilities you may have since your last loan application with us
  • Confirmation of insurance on your property with up-to-date and adequate insurance

To make sure we can achieve everything we need to during our appointment with you, please let us know what you’re hoping to use your Home Loan Top Up for and make sure you have all the relevant documents ready!

Read our Privacy Policy and Data Handling Statement to learn how we handle your personal information.

E.g. new car or renovations.
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