There are a few options available when deciding which loan product to choose as a client. Match the definition to the term.

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You generally pay an annual fee to have an offset accoun$($t$)/($s$)$ linked to your home loan. You can save interest over the life of your home loan by having funds in this offset account. Any funds in the offset account are offset against your home loan balance. Some lenders allow you to have $10$ offset accounts.

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Your home loan is part variable and part fixed. This allows you to have both the benefits of a variable home loan and the certainty in a fixed repayment on part of your home loan. The split percentage is up to the clients to choose, it may be$(50)/(50)$ or$(75)/(25)$ or$(90)/(10.)$

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This is a loan secured by property with a credit limit$,$ you can use it when needed and pay it off at any time. Then if required it can be taken up to the limit again. Flexible loan for multiple uses.

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This is generally a low cost home loan with not as many features such as offset accounts. Rates are generally lower than packaged loans, there is usually access to free redraw of extra funds paid in advance.

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