Loan Options Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you. PurchaseFixed Rate MortgageInterest Rate and payments remain the same for the entire term of the loan. First Time Home BuyerPopular loan programs for first time home buyers. Deposits OptionsExplore options that may make you a home owner with a low deposit. Investment PropertyMortgage loan programs for holiday and investment properties. HeadingRefinanceRefinanceMortgage refinancing may lower your monthly payments. Cash Out RefinanceYou could pay off those high-interest debts by refinancing to a lower rate.