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KLASS BANK

Plan the financing around the property

Buying, refinancing and accessing property equity require different preparation. Compare the structure and build a focused financing enquiry.

Compare your options ↓
A family unpacking moving boxes in their new home.
01 / EXPLORE

Find the arrangement that fits

Select an option to build your preparation list and a focused request to KLASS BANK.

Fixed-rate mortgage

Payment-rate certainty

For a home-financing plan where an agreed interest rate applies for the specified fixed period. Distinguish principal-and-interest payments from taxes, insurance and other ownership costs.

What to compare and prepare

Confirm the length of the fixed period, repayment term and any early-exit charges.

  • Property location and price
  • deposit
  • income and existing borrowing

Adjustable-rate mortgage

A rate that can change

For a mortgage whose interest rate can change under an agreed schedule or benchmark. Consider the payment after an initial fixed period as well as the starting payment.

What to compare and prepare

Review adjustment dates, benchmark, margin and any rate or payment caps.

  • Property details
  • income
  • deposit
  • capacity to manage higher repayments

Refinancing and home equity

An existing property

Review an existing mortgage or discuss borrowing against available equity. Compare the costs of changing the arrangement with the purpose and expected benefit.

What to compare and prepare

Check current redemption costs, valuation, total new borrowing and repayment period.

  • Current mortgage balance
  • property value
  • existing terms
  • intended use of funds
Compare all options side by side
Compare the purpose and terms to review
OptionPrimary needTerms to review
Fixed-rate mortgagePayment-rate certaintyConfirm the length of the fixed period, repayment term and any early-exit charges.
Adjustable-rate mortgageA rate that can changeReview adjustment dates, benchmark, margin and any rate or payment caps.
Refinancing and home equityAn existing propertyCheck current redemption costs, valuation, total new borrowing and repayment period.

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