If you want the flexibility to pay extra into your home loan, while having the access to your money in the future, you should choose a loan that offers that flexibility with no penalties. The good news is that most lenders provide this option. These days the banks have had to adapt to keep up with their competitors. The loan products that best provide this flexibility are :

Paying extra into your home loan will reduce the amount of interest paid and also the term of the loan. It is important to keep in mind that most lenders have restrictions on how much extra can be paid into a loan during a fixed term.