Loan Type: Options

Rate Changes

Alpha, Edge, Icon, Link, Options, Retro
General, Personal Finance
Home loan interest rate changes AFG Home Loans reviews the interest rates on home loans and residential investment loans, following the Reserve Bank of Australia (RBA) announcements of changes to the official cash rate. View the most recent home loan interest rate changes for your home loan below. Be in the know In response to...

Transaction enquiries — what you need to know 

Align, Alpha, Bright, Edge, Link, Options, Retro
Transaction enquiries
How do I check my loan balance/monthly payment?  It’s easy to check your loan balance and payment amounts by logging into Internet Banking and selecting your AFG Home Loan product. You can access Internet Banking in the top right corner of your web browser when you go to   How do I change my personal...

How do I discharge from my AFG Options home loan? 

Loan Discharge
If you’re thinking of making a change to your AFG Options home loan, talk to us first about your options — we’ll see if we can save you time and money before you decide to discharge.  Get in touch with us today on 1800 629 948. We’re here to help.  What’s the discharge process?  To...

Do I have the option to extend my interest only term?

Align, Alpha, Edge, Link, Options, Retro
Home Loan, Interest
In some cases, we may agree to extend your interest only term when your loan nears the interest only expiry date. This will depend on your circumstances and will be subject to assessment. For Retro/Link customers, contact Client Services at 1800 629 948, or email to apply. For Alpha customers, contact the Alpha Support...

Financial Hardship

Alpha, Edge, Icon, Link, Options, Precision, Retro
Budgeting, General, Personal Finance
We understand that at times, you may face temporary periods of financial hardship. Some common factors that may cause financial hardship include: If there is a reason you can’t make your regular repayments, we may be able to help you. How we can help will depend on your circumstances. The sooner you contact us, the...

How do I report my Options/Optimal card lost, stolen or damaged?

Bank Cards, Security
If your Options/Optimal card is lost or stolen, please call: During office hours 1800 184 260

How do I report my card lost, stolen or damaged?

Alpha, Edge, Icon, Link, Options, Retro
Bank Cards, Security
If your card is lost or stolen, please report it immediately to minimise the risk of unauthorised use. If your Retro card is lost or stolen, please call: During office hours 1800 629 948 or 08 9420 7888 After hours 1800 648 027 or 02 8299 9101 If your Link card is lost or stolen, please call: During...

Have you been affected by COVID-19?

Alpha, Edge, Link, Options, Retro
If your query is specific to Coronavirus (COVID-19) and you need to speak to someone, or apply for financial assistance please click here for the latest information.

What is unlimited credit impairment?

We will consider unlimited impairment under our Near Prime and Specialist products provided you have demonstrated you have overcome the credit event that led to the impairment.

What is unlimited debt consolidation?

Options will consider consolidating an unlimited number of personal debts and business debts (including ATO debts) under the Near Prime and Specialist home loans provided there is a clear benefit to you upon consolidating these debts. There is no limit to value of debts up to the your approved lending limit. Note – If you...

I want to buy my first home

Buying your first home is exciting, but it’s a big step to take and one that comes with many questions and decisions.

I'm considering refinancing

Situations change, perhaps you’ve changed jobs, a new addition to the family? Maybe you would just like a better rate?

I'm looking to buy an investment

Research and having the right people to help you are the keys when investing in property.

I'm thinking about buying my next home

Whether you’re looking to upsize, downsize, relocate, or buy that dream holiday home.

I'm looking to build a new home

Building your own house can be a wonderful experience – but it can also be expensive.


The classic home loan with modern features.


Flexible loans for borrowers looking for solutions outside the box.


Tailored loans to support diverse needs.


A versatile home loan with no ongoing fees.


Simple competitive home loans with all the essentials.


Tailor your finance with a versatile range of loan options.


A finance solution for those who may not meet standard criteria.