Purchase, refinance or cash-out refinance — with fixed and floating-rate options sized to fit your long-term budget.
Whether you’re buying your first home, refinancing for a better rate, or tapping equity for renovations, our lending partners offer a range of fixed and floating-rate products to fit your timeline.
| Loan Type | Term | Representative APR* |
|---|---|---|
| Floating Rate | Up to 30 years | 8.35% – 9.75% |
| Fixed Rate | Up to 20 years | 9.50% – 11.00% |
| Floating Rate (Balance Transfer) | Remaining term | 8.40% – 9.90% |
| Top-Up Loan | Up to 15 years | 9.25% – 11.50% |
*Rates shown are illustrative and vary by lender, credit profile, loan-to-value ratio and market conditions at time of lock.
Lenders typically finance up to 75–90% of the property value, meaning you’ll need a down payment of 10–25%. Your advisor will match you to programs you qualify for.
Floating-rate loans move with the lender’s repo-linked benchmark and usually start lower. Fixed-rate loans hold steady for an agreed period — a good fit if you want payment certainty despite rate cycles.
Most purchase and refinance loans are sanctioned and disbursed within 15–30 days of a complete application, depending on valuation and underwriting volume.