Toggle Offset Home Loan FAQs

Here are a number of our most frequently asked questions on the Toggle Offset home loan range. If you can't find your question here or would like further information, please complete the Contact Me box on the right.

1. Is the Mortgage House Toggle Offset suitable if I am self employed?

Yes, this home loan is available to self employed and PAYG customers. Note: normal credit lending criteria applies.

2. Does the Toggle Offset home loan range have ongoing fees?

No.

3. Can I make extra repayments on the Fixed portion as well as the Variable portion of the home loan, without incurring additional fees?

Yes.

4. Do I have to reapply for another fixed rate period after the initial fixed rate expires?

No you don't. You can continue your loan with both portions reverting back to a variable interest rate, however you may not receive the same benefits that are available through Toggle.

5. If I don't reapply for a fixed period immediately, can I do this further down the track?

Yes.

6. How long do I have to fix part of the home loan?

You have the option to fix for 1 year, 2 years, 3 years, 4 years or 5 years initially, and then reapply for another fixed loan term later.

7. Is it hard to Toggle my funds between the two offset accounts?

No, it can be done online through internet banking or through phone banking.

8. Does it cost to Toggle (move funds between the two offset accounts)?

No, it is free if you choose to do it online or over the phone.

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Toggle Offset Home Loan FAQs

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