Offer ends 15th December.*

Home Buyer Essentials

This streamlined loan offers home buyers all the things they need
and none of what they don't.
Rates from:

  • 3.39%
    variable rate p.a.*
  • 3.41%
    comparison rate p.a.*

Act quickly to secure these super low rates while they last!

We are excited to announce that our Spring Special Offer has been extended for a limited time! Act quickly to secure these super low rates. Offer ends 15th December.*

This means you can secure substantial savings in interest and no ongoing fees with our streamlined, low-rate Essentials loan.
The no-bells-and-whistles Essentials home loan has unlimited additional repayments and free redraws. There are no application fees and no monthly or annual fees.

Act quickly to secure the Essentials low-rate offer. Rates this low can’t be ignored!

Online doesn't mean impersonal, lets talk!

Brodie has been with for over 4 years. As an experienced Lending Manager, Brodie can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Managers, like Brodie, to find the right low rate loan package for you.

arrange a call

Essentials home loan features

  • Redraw facility with no minimum 
  • 24/7 access to your account online and by phone
  • Salary credit to the redraw facility for optimum savings
  • No monthly or ongoing fees 
  • Split loan facility – up to five free splits with fixed rate or identical variable loan product ^
  • Weekly, fortnightly and monthly repayment options
  • Additional repayments on variable rate loans
  • Available for owner occupied, P&I loans with a maximum LVR of 80%

Refinancing your home loan?

This streamlined loan offers refinancers all the things they need, and none of what they don't.

The no-bells-and-whistles Essentials home loan has unlimited additional repayments and free redraws. There are no application fees and no monthly or annual fees.

refinance rates

Our awards

In 2016, has received 5 star ratings for our variable rate home loans from Canstar. We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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Receive a free property report

To help you find the perfect home, we’d like to give you a free Comparative Market Analysis (CMA) property report. Our reports provide a breakdown of information about the property you are considering, including previous sale prices. It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

Tips for buying a house in spring

Who doesn’t love spring? It’s the season of new life and renewal and when it comes to the residential property market, it’s the busiest time of the year. After the cold winter months when homebuyers (and sellers) go into hibernation, spring’s arrival brings the market alive as the weather warms up and the flowers start to bloom.
Keep the following tips in mind for successful house hunting in spring.

100% online means you save doesn’t have a branch network to maintain or mobile bankers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.

By keeping our interest rates low and revolutionising the loan application process, is taking competition up to the big four banks and challenging the status quo of the home loan industry in Australia.

Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

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