Flexible Options

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SGE Flexible Options lets you have the flexibility to split your home loan into partly fixed and variable portions. This provides you with the flexibility of a variable rate mortgage or line of credit facility, while having the certainty of a fixed repayment on the Fixed Rate facility split.

Protects you against rising interest rates.

Enables you to budget for the future.

Split your loan to suit you.

Select different repayment options for each split.

Flexibility of weekly, fortnightly or monthly repayments for Principal & Interest Loans.

Is a Split Rate Home Loan right for me?
If you really need the security of a Fixed Rate Home Loan but want the flexibility of a Variable Rate Loan, then Split Loan may be the answer. By splitting a loan, you can hedge against the risk of higher rates whilst still keeping part of your loan at the lower variable rate.

Home Loan Interest Rates:

Product Type	Annual % Rate	Comparison Rate*
Benchmark Standard Variable	6.73% pa	6.78% pa
Home Equity Loan	6.73% pa	6.78% pa
1 Year Introductory Rate	5.73% pa	6.67% pa
1 Year Fixed Rate	6.39% pa	6.74% pa
2 Year Fixed Rate	7.09% pa	6.85% pa
3 Year Fixed Rate	7.49% pa	7.00% pa
4 Year Fixed Rate	7.89% pa	7.22% pa
5 Year Fixed Rate	7.99% pa	7.35% pa
Bridging Loan	6.73% pa	6.78% pa

Warning:
This comparison rate applies to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

*Comparison rate based on a $200,000 loan over 25 years. Based on monthly repayments. Loan secured by mortgage.
+ New Loans Only. No refinancing of existing SGE mortgages available.
Minimum redraw amount of $100 and $20 service fee applies.

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SGE also provides me:
	Home & Contents insurance
	Landlord's insurance

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