Welcome to AFG Home Loans Icon

Icon is the home and property loan suite that defines a new level of excellence.

We like to think the range of loan solutions stands apart from its peers, which is where its name came from; one that really stands out from the crowd.

The loans are flexible, fully featured, competitively priced, and come with top notch customer service throughout the life of your loan.  And it gets better.  The AFG Home Loans Icon range of loans is backed by the Macquarie, a well known global financial services provider with a strong track record of success, growth and innovative financial solutions.

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Flexible options so you get to choose and you get to stay in control

A mortgage may be the biggest financial commitment you will ever make, which is why choosing the right home loan is critical.  As well as looking at interest rates, you should evaluate loan features, benefits and extras to find those that best suits your current financial position, lifestyle and home ownership goals, as well as any rewards that may be included.

First and foremost, keep in mind that what appears to be the cheapest loan on the market might not necessarily be the best loan for you in the long term. Basic mortgages, which often charge lower rates, may be right for some but may not offer features such as offset facility and lines of credit, which enable you to access amounts you have pre-paid into your mortgage should you need them.  Allowing for how things may change in the future is really important, with flexible options often paying off as your situation changes over time.

Fixed or variable?
Often the big question we first get asked.  It’s really important to drill down on the benefits between fixed and variable interest rates given your situation now and what your situation is likely to be over the life of the loan.  A fixed rate means the rate stays the same for the set period of time that you choose. A variable rate can move up or down according to market forces, which impacts the amount of interest you pay. Variable rates sometime offer greater flexibility, such as letting you make extra repayments and the ability to redraw money from those repayments. On the other hand, if you prefer the security of knowing exactly what your repayments will be for a given period of time, then fixing your interest rate is a good idea.

With the Icon product suite, AFG Home Loans offers the flexibility of allowing you to have some of your home loan at a fixed rate and some of your home loan at a variable rate.

Click here to request a call from one of our 2,800+ brokers to see if an Icon home or property loan is right for you.

Icon Home and Property Loans

Offset Home Loan

This loan is for anyone who wants to buy, construct, renovate or refinance a home or investment property.

Line of Credit Home Loan

This loan is for anyone who wants to buy, renovate or refinance a home or investment property.

SMSF Loan

This property loan is for people who have an existing self managed super fund (SMSF) or are in the process of establishing an SMSF.

What can the Icon home loans offer you?

In need of a redraw facility?
If you have made additional payments on top of your minimum mortgage repayments, a redraw facility lets you withdraw these additional payments when you need to. Putting spare money into your home loan account is a great way to reduce the interest payable.

Would you like the ability to make extra repayments?
Being able to make additional repayments whenever you can is a valuable option as even a few thousand dollars extra per year can significantly reduce the amount of interest you pay and the term of your loan. You can make additional repayments without penalty when you choose a variable rate repayment strategy with an AFG Icon home loan. Additional repayments can be redrawn if you find yourself in need of funds in the future.

Would a family guarantee make a difference?
Haven’t quite saved enough for a deposit? A family guarantee can help you get approved on your home loan. This is when a member of your family acts as your guarantor by using the equity in their home to provide security for your home loan. Usually the family member nominates a specific amount to limit their guarantee and exposure to risk.

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We’re here to help.

Your broker, backed by our experienced team of mortgage specialists are available to help you make the right decision for your situation, with a range of award-winning loans to help you make your property dream a reality. Speak with your broker, or feel free to give us a call on 1800 629 948 today.

To find out more about Icon Home Loan, contact us or talk to your AFG broker today.

Please note this information is general. The terms and conditions of particular loans differ.
Product terms and conditions may change. Fees and charges apply.

AFG Home Loans Icon products are serviced by Macquarie Securitisation Limited ABN 16 003 297 336 (MSL) Australian Credit Licence 237863 on behalf of the lender, Perpetual Limited ABN 86 000 431 827.  The information in this document has been prepared by MSL.