Many Australians are doing it tough. If you don't have the right mortgage for your financial situation you could be paying too much money... money which could go into paying your loan off sooner.

In addition, with the global financial industry experiencing considerable volatility over recent months, SERVICE ONE can not only provide a range of competitive Home Loans but give you comfort as our Home Loans are home grown.

How this is possible?

	We fund 100 per cent of our loans from retained earnings and our Members' deposits
	We have no exposure to wholesale financial markets
	We have no securitised loans, hence we have no obligations to investors
	We have maintained a prudent approach to our lending by steering away from riskier products such as 'low doc' and no deposit loans
	SERVICE ONE's origins go back more than 40 years and SERVICE ONE is part of Australia's credit union and mutual building societies movement - representing collective assets of over $60 billion and 4.5 million Members

The bottom line is some financial institutions internationally are now in trouble, in part because of exposure to the wholesale market and their lending practices - these are not issues facing SERVICE ONE. Our Member deposits go into making Member loans - a SERVICE ONE Home Loan is an Australian-made loan.

Do you know how much you're paying on your current mortgage? A bit of research and going with the right lender for your needs can save you thousands over the life of your loan.

Or are you in the market to buy a new home? Look no further than SERVICE ONE.

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