Smart, flexible and cost-effective loans

At we know that our savvy customers want flexibility, so all our loans come fully featured with an offset
account and the ability to make additional repayments and redraw.
Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees.
If you're seeking a smarter, flexible and cost-effective solution, you've found the place.

Owner Occupied


2.64 % PA

Variable Rate

2.64 % PA

Comparison Rate^



2.79 % PA

Variable Rate

2.79 % PA

Comparison Rate^

Rates shown apply up to and including 60% LVR with Principal & Interest repayments. See all rates here. Further information below.

Low rate home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Principal & interest or interest only repayments (Note: repayment type affects rates)
  • Customer Benefits Program
  • A new tree planted on your behalf
  • Visa™ Loan Access Card

and charges

Upfront fees
Ongoing fees
Exit fees
*Government charges apply. Third party charges may also apply


  • Owner occupiers or investors (loan purpose affects rates)
  • Loans between $100K and $2M
  • Loans up to 95% of the value of the property (LVR affects rates)
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Australian/New Zealand citizens or permanent residents living in Australia
  • A good credit history

Are your finances

No worries. Our Options Home Loan is for self-employed borrowers without a clear-cut financial position. Our
Quickstart Home Loan offers first home buyers a fast track to property ownership.
Speak to one of our Lending Specialists about how we can help.

Get a home loan pre-approval

Make an offer with confidence, with a home loan pre-approval from!
Try our quick and easy online pre-approval tool, which can give you pre-approval
in as little as 20 minutes. Get started
You can learn more about how pre-approval works here.
How does it work

Talk to us

Need to know:

Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also apply. ^The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Interest rates are effective from 21 June 2022 and are subject to change, you can view all our rates here.
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