Your loan can be split between fixed and variable interest rates:

• At the end of any fixed interest rate period, you have the option of switching from a fixed to a variable rate at no cost.
• For a variable rate loan, you can switch to a fixed rate at any time at no cost.
• Interest-only or principal and interest repayments are available.

Terms range from one year up to 30 years (depending on the security provided) to help meet your funding needs. You will be able to:

• Manage your cash flow with flexible repayment options
• Manage your interest rate risk by gaining flexibility around fixed and variable rates
• Benefit from a fee-free redraw facility (variable rate loans only)