Our range of flexible financing solutions enables you to meet both your short-term and long-term needs, from financing big-ticket purchases such as a property to meeting your short-term cash flow needs. Your private banker can help you make informed choices about which solution is appropriate for you and how to structure the solution in a way that will meet your needs in the best way possible.

An access loan secured by a range of acceptable securities

Long-term finance to buy, repair or build your dream home:

• Maximum repayment term – 240 months
• The loan must be paid in full by the time you reach 65 years (i.e. the maximum repayment term is also dependent on your age)
• A choice between amortising and fixed repayments
• You can access surplus money in your account

Flexible vehicle and asset finance solutions

We will tailor the following aspects of your finance solution to meet your needs:

• The term of the solution
• The type of credit facility (instalment sale agreement, lease agreement or financial rental agreement)
• Repayment terms to meet your income stream – interest only, interest capitalisation, bullet payments, periodic payments (quarterly, biannual or annual), capital repayments or other combinations
• Structuring any deal to meet your tax income liability and refinance requirements

Meeting your short-term cashflow needs

• A range of overdraft, secured or unsecured lending facilities with competitive and personalised interest rates
• The option to structure repayment terms to meet your needs

A range of deposit and cash management solutions with easy digital access

• Call accounts
• Fixed and notice deposits
• Money market investment accounts

We also offer convenient digital access

• Access these solutions online 24 hours a day through internet banking and our mobile app
• Load notices to access any fixed deposit online through internet banking
• Open a new investment online for a more competitive interest rate

Important documents

• Indicative rate schedule  (11 September 2021)
• View the full product schedule here. (1 September 2020)