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

  • 3.59%
    variable rate p.a.*
  • 3.61%
    comparison rate p.a.*

Switch to the Essentials and celebrate your low interest rate for years to come!

Take advantage of one the lowest home loan rates that has ever been seen! This Spring, is offering super-low rates, for a limited time only.

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.

Online doesn't mean impersonal, lets talk!

David has been with for over 5 years. As an experienced Lending Manager, David can answer all your questions and help you start saving sooner.

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

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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%

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.

Who is is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products.

Since 2011 has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management. 

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.