Think you have the lowest rate home loan?

Get the keys to your dream home for less, or save thousands on your existing loan.

Home loans from 1.85% p.a.~ (comparison rate 2.21% p.a.*)

Find the right home loan for you

Buying a new home is an exciting time - whether it’s buying your first home, an investment property, upsizing to start a family or downsizing because your kids have fled the nest. We’re here to help you get the finance sorted so you can focus on finding the perfect home for you.

Whether you’re buying a new unit, an established property, building a new home or even refinancing, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your home is built to an environmentally friendly and certified standard! Read on to find out why Aussies have trusted us for the last 10 years with their home loan.


Am I eligible for a home loan?

Find out in under 2 minutes if you qualify for one of our low rate home loans.


How much can I borrow?

Calculate your borrowing capacity in no time and see how much you can afford to borrow.

Whatever stage of the home loan journey you're at, we can help


I’m buying my next home

We can approve your application quickly to help you get the keys to your next home as soon as possible, and with our low rates, it's possible for you to own your home sooner.


I’m refinancing

At, we make it easy for you to start saving thousands on your home loan repayments, as soon as possible. You don’t even have to contact your old lender - we can do the hard work for you.


I’m investing

If you're buying an investment property, building an investment property or refinancing your investment loan, we make the home loan process simple, quick and hassle free, with great low rate investment loans.


I’m buying my first home

The friendly lending specialists at are here to help you as much as you need when buying your first home. We can walk you through all your options to find the right loan for you, and we have a number of handy guides and videos available to help with the process.


I’m building a home

When you're building or doing major renovations, you have a lot on your mind. We can help take the stress out the finance with low rates and an easy online application so you can focus on the build.

We're recognised & awarded by the Australian financial industry. View all awards

Smart Booster Home Loan
  • 1.85%
    discount var rate p.a.~
  • 2.21%
    comparison rate p.a.*

Get our lowest rate ever with the option to add an offset sub-account.

Smart Booster Investor Bundle
  • 1.99%
    discount var rate p.a.+
  • 2.71%
    comparison rate p.a.*

Bundle your home loan and investment.

Save thousands when you bundle your investment loan and home loan with, with rates starting at 1.99%+ for both.

Why do people choose us for their first home? is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.


Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.


Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.


Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. We even offer a green home loan discount if your home is energy efficient!


Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!


Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Our home loan process makes borrowing simple so you can buy your next home online with confidence. Go from application to settlement in three easy steps. Here's how to lock in a super-low-rate home loan, super-fast.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.


Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

Common home loan questions

There are a few documents you’ll need to provide in your home loan application. Some of these include:
  • Two (2) most recent consecutive payslips for each applicant
  • Three (3) months bank statements showing regular salary credits, including most recent salary credits with the name of the employer evident
  • Evidence of Salary Sacrifice or Packaging (if applicable)
  • Evidence of Company Vehicle/Car Allowance (if applicable)
  • Six (6) consecutive months of home loan statements showing consistent repayment history (if applicable) requires a minimum deposit of 10% of the purchase price of the property, or the current value of the property if you are refinancing.

To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
You can get your dream home at a great low rate because we don’t have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
To apply for any of our loans, visit: or call 13 10 90 and one of our lending specialists can help, or even complete the application for you.
You have the option to add an offset sub-account to our Smart Home loan at an additional cost. For more info on this, please call one of our lending specialists on 13 10 90.
The settlement process is different depending on each individual applicant’s personal situation, but we generally say it can take anywhere between 4 to 6 weeks. To get to settlement, you'll need to apply, speak to one of our lending specialists, upload your documentation, get the property valued, have your loan approved and the documentation delivered and signed, then you'll settle.
We charge a $300 settlement fee plus a valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation is ordered.
After settlement, you’ll nominate on your direct debit form when you start repayments. Our Customer Care team will also confirm your repayment dates when calling you at loan settlement. Additional repayments into a fixed home loan are allowed and are up to $10,000 per year.
We sure do! Introduce someone to and we'll give you a $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.

You can refer as many people as you like!

How it works

Whether you’re looking for the your dream home or investment property at a low rate or simply want to stop paying too much on your existing home loan, we’re here to make it easy for you.

Here’s the step-by-step process on how you can get a home loan to buy your dream home or investment property.

Home Loans - Purchase

Are you ready to pay your loan off sooner and own your own home? Here’s how you can.

Home Loans - Refinance

Wanting to build your own property or make extensive renovations? We’re here to help, so here’s how it works.

Home Loans - Build

Customer feedback

Julie R.

January 19, 2022

Sandip P.

January 14, 2022

Vicki M.

January 07, 2022

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Useful Resources

We’ve put together handy guides for everything you need to know when it comes to getting a home loan, so all the information is here in one place.


Guide to buying your first home

Most people have questions as they start on mortgage refinancing, so we have created this guide to help you.

From information on our easy steps to apply for a loan, to advice on loan pre-approvals and home renovations, you can find it here.

First home buyer

Buying a first home is one of the biggest financial decisions of anyone’s life. Follow the steps to assist you in achieving your first home ownership.

First home buyer

We've put together a list of the terms and phrases you're likely to come across in your home buying journey. View them here.

First home buyer

Variable, fixed and offset - understanding your home loan options is the first step to finding the best home loan for you.

First home buyer

Here are the main ‘numbers’ you should stick in your mind before and after you apply for a home loan, such as the interest rate, loan term and your loan’s LVR.

First home buyer

Lender's Mortgage Insurance (LMI) is a tool used by lenders to reduce their risk in cases of where borrowers have smaller sized deposits to put down in their loan.

First home buyer

Get to know your new neighbourhood before you buy. So before you sign a property contract, here's what you can do to research in finding the right suburb.

Got a question? We can help


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Talk to a home lending specialist

Our experienced lending specialists can answer any questions you have on our loans.

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