Alpha isn’t just about making home ownership happen. It’s also about helping your new commitment fit in as comfortably as possible with other aspects of your life. Whether you’re a first home buyer or looking to refinance, or renovating an old one, or are an investor or self-employed, our Alpha home loans are designed to shift with your changing needs and circumstances. And they’re provided by Bendigo and Adelaide Bank Limited.
Alpha is a great home loan as it can help reduce your interest by depositing money into your 100% offset account. You can also make additional repayments whenever you can without any extra costs being charged. Choose from fixed rate, variable rate or a mix of both, from either the Basic or the Offset Home Loan.
Whether refinancing, investing or buying a home, our Basic Home Loan gives you a simple home loan with just the essentials. You’ll get low upfront fees, no ongoing fees, redraw, additional repayment options and plenty more.
The Offset Home Loan is a premium home loan to suit changing needs, with multiple, 100% offset accounts on variable and fixed loans, redraw, additional repayment options and more.
The Alpha offset facility is a fully transactional account that helps you save on interest. Every cent you have in this account helps reduce the interest on your home loan. It’s the ideal account to have your salary paid into to make sure all your money is working to pay off your loan sooner.
In the scheme of things, we’re a small player. With this comes agility and the ability to stay ahead. But we’re also backed by some of the biggest players in the market – so you know you’re in safe hands.
AFG Home Loans has been around for over a quarter of a century, and are funded by some well-known Australian companies including, Adelaide Bank and Pepper Money.
We offer our loans exclusively through experienced AFG brokers via our broker network, making sure you receive a loan that meets your individual needs.
1There is a requirement to have at least 1 month’s repayment in advanced as a minimum. Advanced repayments above this amount can be redrawn.
2Offset accounts are only available on the Alpha Offset Home Loan for both fixed and variable products. Offset Accounts must be linked to an eligible Home Loan account and can only be linked to one eligible Home Loan account at any one time. Up to 6 offset accounts are available per Offset Home Loan. Linked offset account/s must be in the same customer name/s as the loan account. How to set up the offset accounts may change from time to time and will be advised during the application process. This is general advice only. Consider the Offset Account Terms and Conditions and TMD and your personal circumstances before you take out this product.
3Customers have the option to online redraw from their Offset Home Loan if they have an Offset Account with online access. Online redraws are processed as an internal transfer. Manual redraw only for the Basic Home Loan and is fee free.
AFG Home Loans Alpha products are provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Financial Services Licence and Australian Credit Licence 237879 and promoted by AFG Home Loans Pty Ltd ACN 153 255 559 Australian Credit Licence 411913. The AFG Home Loans Alpha information on this webpage was prepared and issued by Bendigo and Adelaide Bank Limited.
AFG Home Loans Pty Ltd is part of the ASX listed Australian Finance Group Ltd (AFG), one of Australia’s leading mortgage broking firms for almost a quarter of a century.
The information provided is a short summary and is not everything you need to know to select a product and features that are appropriate for your needs and requirements. All information is subject to change without notice. Terms and conditions and lending criteria may apply. Fees and charges may be varied or introduced in the future.
AFG Home Loans Pty Ltd | ACN 153 255 559 | Australian Credit Licence 411913
