Go Home Loans


With a Sovereign Go Home Loan your borrowing limit reduces over time, helping you to manage your mortgage more effectively and pay off your loan faster.

Pay off your home loan faster

You get the benefit of lower interest costs, because you’re offsetting credit funds against your loan, thereby reducing the amount on which interest is paid.

Also, if you have make additional payments into your account above the minimum loan repayment amount required, you are able to draw out (redraw) any of the extra money you have paid in.

PLEASE NOTE: Our Home Loans Fees and Limits Guide has been updated from May 15th.
Click here to access the guide.


Please refer to the Fees and Limits Guide for a full list of fees, charges and transaction limits that apply.  Fees are subject to change at any time.

For more information read the Terms and Conditions.Disclaimer: The information contained on this site is of a general nature and is intended as a guide only, outlining some of the features and benefits provided by Sovereign's Go Home Loans. All home loans are subject to our home loan lending criteria. Early repayment adjustments may apply.  For loans with less than 20% equity a Low Equity Margin may apply. The lender is ASB Bank Limited via its nominee Mortgage Holding Trust Company Limited. The transactional account for Sovereign’s Go Home Loans is provided by ASB Bank Limited.

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The information contained on this website is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any investment, insurance or financial planning decision; you should consult a professional adviser. Copies of our disclosure statements are available on request, free of charge.​