Regular Repayments

Can increase by up to $250 per week. This is on top of the 5% lump sum below, not included in the 5%.

Can reduce back to minimum any time.

Lump Sum Repayments

One per year, up to 5% of the loan balance per year on the anniversary of the loan.

Regular Repayments

Increase regular repayments by up to $500FT/$1000M

Lump Sum Repayments

Incurs early repayment fees

Regular Repayments

Increase regular repayments by up to $500pf or $1000pm per loan split.

If repayments set above minimum, these are locked for the fixed term.

Lump Sum Repayments

Incurs early repayment fees

Regular Repayments

Increase each split by $1,000M

Lump Sum Repayments

$10,000 per split per CALENDAR year (1st Jan - 31st Dec

Regular Repayments

Reduces loan term if you increase min repayments. At bank’s discretion this can be reversed.

$45 fee for any changed repayment
plus a break fee may be charged.

Regular Repayments

or raise regular repayment amount,
then, no fee.

Lump Sums

Lump sum up to 5% at start of each year, min $1000.

Classic

Break Fees Apply

Standard

You can pay up to 5% of a Standard loan amount at the start of your fixed term each year without early repayment charges, otherwise break fees may apply.

5% includes extra repayments and lump sums.

can increase/decrease repayments without issues.

Regular Repayments

Can increase as long as it stays within 5% of the loan amount each year.

5% includes lump sums AND increased repayments.

Lump Sums

Can pay off up to 5% per year with no penalty

Can reduce loan term, but if you re-increase it, there are break fees.

Regular Repayments

Increase repayment up to 20% above minimum repayments without fees,
decrease repayment down to the minimum amount at any time.

Lump Sum

Repayment incurs break fee plus $20 admin fee.

No lump sum repayments while fixed.