Rates from:
Variable rate p.a.*
Comp rate p.a.*

A streamlined low-rate, low-fee home loan product.

  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees
  • Unlimited additional repayments

Loan amount

Monthly repayments#
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Smart Loan Package

Package your owner-occupied loan with your investment loan and enjoy low rates for both.

Rates from


variable rate p.a.* (80% LVR)


Comparison rate p.a.*


minimum monthly repayments

This calculation is based on a $400,000 loan over 30 years and includes principle & interest. This may not be your actual repayment.

  • Great low rate on investment loans when you package with your owner-occupied loan
  • Unlimited additional repayments
  • No monthly or ongoing fees

It’s smart to save thousands on your home loan

The Essentials is our super-low rate loan that will save you money on interest and fees.

It’s easy to apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Our process is simple and we can settle your loan quickly so you start saving sooner. With you can have confidence in dealing with Australia’s largest non-bank lender.

Checklist for Buying an Investment Property

Investing in the right property can be a good strategy to grow your wealth. But keep in mind that property investment does not mean instant riches. 


The Benefits of Buying an Investment Property

If you’re looking to finally invest in real estate today, here are the top benefits of investing in a property in Australia.


When an Offset is NOT worth it?

An offset is a great feature for some borrowers but like most benefits, it comes at a price. To work out if you need one, you first need to understand what an offset is and how it can save you money.


Meet some of the team

Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 237 reviews.
As rated by our settled customers


Timely responses and excellent service
Excellent, professional and efficient service. I loved the way I was kept informed throughout the process and my queries were answered in a timely manner.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

Tuija A. - Wagin, WA
March 01 2018

Done with ease
User friendly and prompt service. Everything was done with ease.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

Joanne P. - Sebastopol, VIC
February 09 2018

A smarter way to get from loan application to settlement

At, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.




Borrowing power

Find out how much you can borrow based on your income and expenses.


Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.


Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 


Purchase with Confidence

Designed for you to make your home loan journey quick, simple, and reliable.

Call us on
13 10 90
Request A Call
7am - 7pm, Monday to Friday. AEST
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