Our Home Loan and Mortgage Products

All IN ONE HOME LOAN

The QuickDirect All-in-One (AIO) loan works well as a transaction account when combined with other QuickDirect products. See more information about how QuickDirect All-in-One loans can be used .

The loan offers all the features you need to help you pay off your mortgage faster including salary crediting, free transactions, access to a zero interest Visa card for your everyday banking and convenient all-in-one banking to simplify managing your finances.

To view our current All in One home loan rate click here

The QuickDirect All-in-One is the perfect loan if you would like:

  • To pay off your mortgage quickly by using your cashflow more effectively
  • Access to all-in-one convenient banking
  • Access to a zero interest Visa account
  • Over the counter transactions with Cheque and Deposit book

Features include:
Loan amounts $50,000 to $2,000,000 (minimum of $25,000 in combination or split. Higher loan amounts can be achieved by combining with other products).
Interest rate type Variable rate only.
Term Evergreen (no set term)
Repayment type Interest Only. Interest can capitalise to 100% of loan limit.
Combination and splits Can split up to 4 accounts (will consider more) or combine with Fixed Rate Loan or Advantage Rate Loan.
Repayment options Direct Debit or Salary Crediting either monthly or fortnightly.
Internet or telephone transfers from pre-nominated account for additional repayments. Deposit at Westpac, Challenge & Bank of Melbourne, via pre-encoded deposit slip.
Additional repayments Allowable with no limit.
Redraw facility Chequebook with no minimum redraws via Internet or telephone banking to pre-nominated account . ATM or EFTPOS via Nil Interest Visa Account (NIVA).
Withdrawals Chequebook and Internet or telephone transfers from pre-nominated account for additional repayments. ATM or EFTPOS via Nil Interest Visa Account (NIVA). Press ‘credit' or ‘savings' at ATM for access to NIVA funds. Press ‘cheque' for access to AIO account.
NIVA Card NIVA limit is 3% of the total loan amount up to $5,000 (more with special approval). NIVA limit can be as low as $500, however AIO account must have a NIVA. Max 3 cards, borrowers only. Swept from AIO account on the first day of each month with unlimited free transactions. PIN is identical for ATM & EFTPOS for credit, cheque and savings transactions.
Salary crediting Yes.
Ability to switch Can switch all or part of loan limit to another product.
Statement issued Monthly on both AIO & NIVA Accounts.
Deferred Establishment Fee During year 1     1.00% of original loan amount
During year 2     0.80%
During year 3     0.60%
During year 4     0.40%
During year 5     0.20%
Year 6 onward   0.00%>
Other Fees No account keeping or on-going fees. $1.50 for over the counter deposits and $1.50 for cheques used in excess of 5 per month. $1.50 for more than 10 withdrawals per month from AIO account (NIVA unlimited). Any ATM withdrawals overseas incur a fee of $3.70 per transaction.
Substitution Can substitute security within loan limit.