The suitable loan product for the clients is for buying of investment property along with refinance is NAB FlexiPlus Mortgage Facility. This loan is suitable for the clients because they have the option of the flexibility regarding the borrowing limit with insurance. The clients will also get the option to pay interest against the loan. So, it can fulfill the requirement of the clients. The clients can get loan amount up to 90% of the purchase value of property ($280,000). The total funds required for the loan is $315,749. So, the rest of the money should be borrowed excluding the liquid cash or the clients can sell their one car (Toyota Ray) for the acquiring the extra fund for loan. The loan costs include stamp duty, application fees, transfer fees, registration of new fees. The due amount of loan of car is $25,000. So, it will be refinanced through the loan on property. Therefore, the total amount of fund required for the loan is ($280,000 + $25,000) $305,000 and also including other costs related with the loan.