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 Glossary
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Accrued Interest
  Interest that has been incurred or earned that is yet to be charged or paid.

Additional Repayments
  The ability to make extra payments into a loan account, which reduces the loan balance but also the term of the loan.

Amortisation
  The progressive reduction of the outstanding balance of a loan by regular payments that include both a principal and an interest component.

Annual Percentage Rate (APR)
  See Interest Rates below.

Application Fees
  Fees charged by a lender to partially or fully cover its internal costs of setting up the loan approval for the borrower.

Arrears
  An overdue account yet to be paid.

Body Corporate
  Individual owners in a block of strata units are required to form a body corporate (referred to as "owners" in New South Wales although this differs from state to state) and elect a council, which will take responsibility for the management of the property.

Break Costs
  Costs associated with paying out a fixed rate loan prior to its maturity.

Bridging Finance
  A temporary loan that usually bridges the gap between the purchase of a new property and the sale of an existing one.



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