Flexible features

Repayment options

The maximum terms for HBF Home Loans are set to provide you with the most flexibility. However, you can shorten your loan term by making fortnightly or even weekly repayments - whatever suits your needs.

The maximum terms available are:

• 30 years for owner-occupier properties
• 30 years for investment properties
• 10 years for vacant land (not available on all loans)

With HBF Home Loans you can make additional repayments. Terms vary according to loan type. Full details are available from your Personal Consultant.

Redraw*

When you have extra money available, putting it into your home loan can allow you to repay the loan faster and save on interest. However, there may be times when you need to access the extra money. This is called a redraw facility.  Having access to redraw through your home loan is a great way to safeguard against interest rate increases, or to put extra money away for later use. Full details are available from your Personal Consultant.

*Not available during the fixed rate term.

Portability

If you're moving house, you don't necessarily need to change your home loan. Just take it with you. A portable HBF Home Loan means you may not have to reapply when you relocate.
So if you decide to buy a new property, you can simply substitute the security you have provided for your existing home loan (fees apply). If your borrowing situation changes, you can switch from one type of home loan to another.  Full details are available from your Personal Consultant.

Find out how you can apply for an HBF Home Loan, or use one of five home loan calculators.

HBF Financial Services Pty Ltd ABN 18 009 123 675, Broker licence FB3517 ("HBF"). Bank of Queensland Limited ABN 32 009 656 740. ("the Credit Provider") provides credit for HBF Home Loans. The Credit Provider's standard credit assessment criteria apply. Fees and charges are payable. HBF distributes HBF Home Loans under an agreement with the Credit Provider. Accordingly, reference to "we", "us" and "our", depending on the context, may be a reference to the Credit Provider. This website contains general advice, prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should read the Personal Lending Terms and Conditions, and Personal Banking Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available from any HBF Personal Consultant.