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Support your wealth growth with our Universal Package

Enjoy a structured credit facility that enables your wealth creation.

Enjoy a structured credit facility that enables your wealth creation.

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Here’s what you get

Use your assets as collateral when applying for finance.

Set up multiple sub-facilities with different terms at Home Loan rates.

Get up to 20 years for long-term planning.

Choose to use 10% of your universal credit facility as an overdraft.

What you get
A customised credit facility to support your wealth growth.

Manage your daily transactions with a Private Banking Account, Practice Management Account or Private Trust Account.

Use any of your assets as collateral and get your credit at Home Loan rates.

Use the credit for anything you want or need.

Terms and conditions apply.
Benefits and features
Each credit facility will have its own statements for account and tax management purposes.

Repayments can be done separately via monthly debit orders.

Link any one of our current accounts, such as a Private Banking Account, Practice Management Account or Private Trust Account, to conduct your daily banking transactions.

Bank account for daily transactions.

The Universal Package can be used by individuals, trusts and professional practices.
What you need to apply
Proof of residence

Proof of income via your payslip, latest business financial statements or a personal income statement from your business auditor.

Use our quick and easy calculator to get an estimate of your monthly home loan repayment.

What is the Universal Package?

The Universal Package is a structured credit facility that helps you grow your wealth while managing daily banking. It allows you to borrow against various assets at Home Loan rates over a 20-year term.
What can be used as collateral?

You can use residential or commercial property, share portfolios, fixed deposits, investment policies and offshore investments as collateral to secure financing.
Can I set up multiple sub-facilities?

Yes, you can create multiple sub-facilities, each with its own term and loan statement at your Home Loan rate. This makes it easier to manage your accounts and track your finances for tax purposes.
Is there an overdraft option?

Yes, individuals can use up to 10% of their approved facility as an overdraft at the same Home Loan interest rate.