Our Loans
HomeLife
HomeLife is our flagship home loan product. Whether you’re a home buyer, property investor, looking to consolidate your loans to reduce your repayments, or simply wanting to switch your existing loan across to M+ for a better deal, our friendly team will help you through every step of the way and make the process easy for you.
Whether you’re a salary earner or self employed, HomeLife has been designed to be flexible enough to meet all your home loan needs and comes standard with a host of built in extra features for no extra charge such as unlimited redraw and flexible repayments options.
You can choose between fixed or variable interest rates (or a combination of both) and access your loan 24/7 when it suits you – by internet, debit card, EFTPOS, ATM and even have an optional cheque book.
Download our HomeLife fast fact sheet
Oxygen – The clever business loan answer
For those running a small business, it can be a tough, yet rewarding journey. Investing time in generating new sales opportunities, juggling cash flow, maintaining customer relationships, doing the paperwork and looking after your employees can be very challenging task.
To top it all off, then the banks charge you an inflated interest rate just for having a business loan! It just doesn’t make a lot of sense.
Now small business has a real alternative because M+ is changing the way small business borrows money.
Our Oxygen loan gives you the breathing space you need by eliminating red tape and adopting a flexible approach by offering a business loan that lets you get on with doing business.
M+ doesn’t over inflate your interest rate like some banks do because you want a business loan.
The way we do business is simple and uncomplicated. Our experienced team will take the time to listen to you to understand your situation, learn about your business and work with you to provide a solution that meets your needs beyond today and well into tomorrow.
Our Oxygen loan provides the same great range of loan features as HomeLife, but the best news of all is that our Oxygen loans also come with your choice of either of our unbeatable built-in benefits. Now that’s clever!
Download our Oxygen fast fact sheet
Refinancing
Whether you’re moving house, renovating, consolidating your loans and credit cards balances or simply looking for a better home loan or business loan option, there are a variety of benefits involved with refinancing with M+. We understand that it’s a big decision, so our experienced team will help support you to make the choice that’s right for you and aim to exceed your expectations by delivering quick and accurate responses.
Why refinance?
Everyone has a different reason when considering refinancing. A typical ‘wish list’ could include:
I want...
- a better deal that benefits me and my family
- a home loan that appreciates my business and rewards my loyalty
- to consolidate my debts, making them easier to manage and pay off faster
- to renovate or extend my home
- a better place to live
- a lender that better understands my business needs
- to save more money for the important things in life
- a lender that really understands my needs with action, not just words
We also consider your broader financial needs and objectives before helping you make any decision on refinancing your home loan, to ensure the choice you make compliments both your personal and family’s lifestyle, not place restrictions on it.