This is a good old-fashioned home loan with the great features you need, without the cost of those you don’t. It’s simple and easy to understand with no fancy frills – but still with some of the best modern features you expect, like 24/7 online access and an optional 100% offset facility.*
Our Retro home loans are a more common sense and flexible approach to lending as we can cater for self-employed customers, and customers who may not fit traditional lending criteria. Retro includes products with different features such as a redraw facility and a 100% offset facility* that you can use to reduce interest on your loan.
Using the optional offset facility* can help reduce your repayments with funds in a separate loan sub-account helping to offset the interest on your loan. And it comes at no extra cost.
Please talk to your broker about whether this feature is appropriate for you.
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 is funded by some well-known Australian companies, including Bendigo and 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.
*Limitations on withdrawals may apply in certain circumstances. An offset facility is only available with any variable interest Retro Home Loan. The offset facility is not available for Retro SMSF loans. The offset facility is a sub-account linked to your nominated loan account. The offset facility forms part of your loan account. The offset facility balance may not exceed the loan account balance. AFG Home Loans can debit the offset facility with any amounts lent to you or due under your mortgage. Please note that having an offset facility does not automatically give you a right to redraw from that offset facility. If you have a redraw facility on your home loan and have made payments into your offset facility above your minimum repayment, you may withdraw those extra payments if:
Please talk to your broker about whether this feature is appropriate for you.
Buying your first home is exciting, but it’s a big step to take and one that comes with many questions and decisions.
Situations change, perhaps you’ve changed jobs, a new addition to the family? Maybe you would just like a better rate?
Research and having the right people to help you are the keys when investing in property.
Whether you’re looking to upsize, downsize, relocate, or buy that dream holiday home.
Building your own house can be a wonderful experience – but it can also be expensive.
