Home Equity Access Loan
Access the funds you need, without selling your home.
Tap into the equity you've built in your home with our Home Equity Access Loan. Whether you're planning home renovations, investing in property, or working toward other financial goals, we’re here to help you make it happen.
Key features
Borrow up to 90% of the value of your property
Flexible access to home equity for renovations, debt consolidation, investments, or personal goals
Linked to a Coastline Access Account
Competitive variable interest rate
Free Online Banking and MyCOAST App
Fees and requirements
18 years and over
$5 base monthly service fee
Transaction charges of $1.95 for cash withdrawals and manual transfers; $0.75 for member cheques.
ATM withdrawals may incur ATM owner charges, except at Coastline/BCU/Westpac/St George/Bank SA ATMs
Rates
Loan $50,000 to $150,000
7.86
%p.a. interest rate*
Loan over $150,000
7.56
%p.a. comparison rate*
Need help choosing which product is right for you? Contact us
*Interest rates are variable and subject to change without notice.
1Other fees and charges may apply.
Comparison Rate calculated on a loan amount of $15,000 over a term of 3 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Conditions of use | Schedule of fees and charges | Financial services guide | Schedule of Loan fees | Personal overdraft & credit card car & personal loans | Mortgage Loan Interest Rates | Target market determination
Refer a friend and get rewarded!
Know someone who needs a loan? When you refer a friend to Coastline Bank and they take out a Business Loan, Home Loan, Car Loan, or Personal Loan, you’ll both receive a $150 EFTPOS Gift Card as a thank you! It’s our way of saying we appreciate you sharing the Coastline Bank experience. T&Cs apply.
Learn moreBorrowing and repayment calculators
How much can I borrow?
See how much you can borrow in just a few clicks.
Personal & car loan repayment calculator
Find repayments that fit your budget.
FAQs
Our Home Equity Access Loan allows you to borrow against the equity you’ve built in your home. It can be used for home renovations, to buy an investment property, or other financial goals.
Our Home Equity Access Loan allows you to borrow against the equity you’ve built in your home. It can be used for home renovations, to buy an investment property, or other financial goals.
You can borrow up to 90% of the value of your property, depending on your eligibility.
No, our Home Equity Access Loan allows for flexibility. You can use the funds for home upgrades, investments, or other financial goals.
MyCOAST App
Experience the freedom and convenience of managing your money anywhere, anytime with the MyCOAST Mobile Banking App. Whether you’re on a coffee break, at home, or travelling our app is designed to keep you connected to your finances.
Download the app.
More loan products
General advice warning
This advice has been prepared without considering your personal objectives, financial situation or needs. Before acting on it, you should consider whether it’s appropriate for your circumstances. For more information – including terms and conditions, Product Disclosure Statements, Target Market Determinations or Financial Services Guides – please refer to the details under ‘Important information’ on the relevant product pages.
All loan applications are subject to credit approval. Interest rates are subject to change, and fees and charges may apply.