Redraw or top-up

If you need a bit of cash to purchase a new car, take a well-deserved holiday or maybe just to do some renovations around the house, then you could consider either utilising redraw or a top-up loan.

Redraw facility
Top-up loan
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Redraw facility

A redraw facility on a variable rate home loans allows you to withdraw directly from your home loan account any repayments you've made that are more than your contractual repayments.

The minimum redraw is $50 and the maximum is the amount of advance repayments you've made.

You can make as many redraws as you like and there is no fee to do so.

Top-up loan

With a top-up loan, you can utilise the equity in your home or investment property to borrow additional funds for other purposes to help you achieve your investment or lifestyle goals.

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4 easy ways to apply

Before you apply...

We recommend that you read our Credit Guide (PDF).

Any advice has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Fees and charges apply. Information on our terms & conditions, interest rates and fees & charges are available on request. Contact us

Information on this page is general in nature, and does not take into account your personal circumstances. You should consider whether it is appropriate for you before acquiring the product. See www.bankvic.com.au/self-service/forms-and-documents for important information relating to these products.

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