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Optima Line of Credit home loan

The Optima Line of Credit is a fully featured line of credit home loan without an annual fee. Providing access to extra funds when you need it, this home loan works best for renovators and credit savvy investors.

Enjoy convenient access to your funds through EFTPOS, free ATM transactions via the NAB and Rediteller network, direct credit, cheque, internet and phone banking.

Borrower type
  • Individuals
  • Companies
  • Trusts
Loan purpose
  • Purchase of owner occupied and investment properties
  • Debt consolidation
  • Refinance
  • Equity release
Loan term 5 - 30 years
Deposit requirements Borrow up to 90% of the purchase price
Interest rate type

Variable

Repayment type

Interest only

Repayment options
  • Salary credit
  • BPAY®
  • Direct Debit
Repayment frequency
  • Weekly
  • Fortnightly
  • Monthly
Pro Pack option available

Yes. 0.10% rate discount available for an annual fee of $330

Ongoing fees No. (Unless Pro Pack option is selected. Then an annual fee of $330 applies)
Features
  • Additional repayments*
  • Loan portability
  • Internet and phone banking
  • Redraw*
  • Split rate
  • Split product with LOC

®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518    * Not available during fixed rate period
All applications are subject to normal lending criteria, fees and charges may apply

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