Personal

Choosing A Solution

The Rock offers a variety of lending facilities to suit a diversity of individual circumstances. Choose one or more of the facilities that best suit your situation and then apply them to any of our Home Loan Solutions. For example, you may take advantage of our Construction Facility while you're building or renovating your home.

Lending Facilities

Variable Rate
A loan where the interest rate can change at any time during the life of the loan. Generally, interest rate changes are influenced by rate movements dictated by the Reserve Bank of Australia.

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Fixed Rate
You can fix your loan interest at an agreed rate for 1, 2, 3 or 5 years, after which it will revert to The Rock's Standard Variable rate. Alternatively, you can fix it again, or for the cost of the switch fee, change to a different product.

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Interest Only
A loan facility where no principal repayments are required, and you can repay only the interest on your loan for up to five years of the loan term. This is often attractive to investors.

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Line of Credit
A flexible loan facility, secured by residential real estate, that enables you to access funds as you need them.

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Home-to-Home Facility
Complete the purchase of your new home before you have sold your existing one.

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Construction Facility
The Rock takes control of progress payments to the builder and you will pay interest only on these payments until your home is complete.

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Mortgage Offset Facility
A savings account with CashCard, chequebook, internet and telephone access where interest earned reduces the interest payable on your home loan.

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