get more out of your loan.

Your home loan is more than just a pretty face. Here’s some of the other stuff you can do with your new loan.


getting access to extra money.

quick redraw.

If you've made additional payments on your variable rate home loan, you might have some 'available funds' sitting in your account that you could be able to redraw.

You can redraw amounts of $500 and above. There’s no fee to redraw money on variable rate loans. It's just something we like to do.

How? Simply use the mobile banking app or log on to internet banking. For amounts over $20,000, call us on 13 15 63 and we'll do our best to help you out.


topping up is easy to do.

There comes a time in everybody's life when you need a bit more cash than you currently have. Perhaps you're renovating your home, or buying a new car, or planning a wedding. Maybe you just really, really, really want a pony.

Whatever the reason, topping up allows you to use the equity you’ve gained to increase your existing home loan. Equity is the difference between the property value of your home and the remaining loan balance that you owe.

Topping up your home loan can be a cost-effective way to borrow extra cash, since you’ll generally get a lower interest rate than you’d receive with a credit card or personal loan.

The minimum amount you can apply for is $20,000. There's a $250 fee to top up, this is waived if you have a Member Package.

How? Apply to top up your home loan using the Home Loan Top Up form, or call us on 13 15 63 to chat further about your options. Credit criteria, conditions, fees and charges apply.


how can I minimise my interest and maximise my savings?

health checks for your home loan.

It's easy to blame Past You for a lot of stuff, but your home loan shouldn't be one of them. Whether it's good news or bad, if your financial situation has changed it might be time to book your loan in for a health check.

How? Set up an appointment with one of our mobile bankers or call us on 13 15 63 and we'll see how we can start making your home loan work for Present You.


show us your member package.

Combine your home loan with a Member Package and not only will you get a lower variable interest rate, but we'll also waive solictor fees, valuation fees, top-up fees and fix / split  loan variation fees – all for only $395 a year. How? Drop us a line on 13 15 63 and we'll get you set up today.

The Member Package is not available to purchase with the Basic Home Loan.



Existing customer MREC