Some of our customers choose to have a 1 or 2-year period at the beginning of the loan period during which they won’t amortise the loan principal. A repayment holiday will increase the total loan costs to some degree, depending on how long it is. As our home loan customer, you can also use the free FlexiPayment feature, which allows you to decrease or increase your next monthly payment without asking us first.  Read more about FlexiPayment.