![](/globalassets/pn-bank/media/background__svenn--colour--b.webp?width=720&height=341&format=webp&mode=crop&rxy=0.36,0.56&quality=80)
With a home loan line of credit you don't need to make regular repayments during the term of the loan. You can deposit and withdraw money as you need to.
If you don’t make interest payments, you'll need to remember that your interest will capitalise. That means you’ll reach your credit limit sooner than if you had been making repayments.