Investing in property? Get rewarded by a package rate discount.

Don’t just take advantage of our real low home loan rates. Save more. Enjoy an extra discount on your investment property loan rate when you package your owner-occupied loan with us too.

Get started

Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.


Talk to a home loan expert

Book a time that suits you to chat with a lending specialist.


Ready to apply or want pre-approval?

Call us on 13 10 90 or simply start your application online.

Variable Investor
Home Loan Rates

Investor Package Rates

Product Name


Principal & Interest Rate p.a.

Interest Only Rate p.a.

Investor Package^^


6.30% comp rate p.a.*

6.70% comp rate p.a.*

Investor Package^^

80% Max LVR

Principal & Interest


Initial rate p.a.

Comp rate p.a.*

Interest Only


Initial rate p.a.

Comp rate p.a.*

Want to see more home loan options? Compare our home loans

Want to see more home loan options? Compare our home loans

Reasons to add an offset

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees
Online, ATM and Visa debit card access to your money
Pay less interest on your loan!

Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.

You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!


Digital wallets

Add your card to your digital wallet to make contactless payments on your devices.

Pay in store using your iPhone, Apple Watch, iPad and Mac devices. Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.

Pay online, in stores, and more using your Google devices, and manage your account wherever you want – on the web or in the app.

Top reasons to choose this loan


Offset available for 0.10%^

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.


No monthly or ongoing fees

Having zero recurring fees means you save thousands over the course of your loan.


Unlimited free

Reduce your loan term, whilst still having access to your savings.


Application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.


Ongoing fees

No recurring monthly or annual fees helps save you thousands over the life of your loan.


Repayment fee

No fees to make additional repayments and no limit to the number of additional repayments you can make, so you can pay your loan off sooner.

Smart friends

Real Good Rewards

As a customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
View offer

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

Our home loan application process

Apply online

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

Frequently asked questions

Our Investor Package Product gives you a lower rate on a new investment property loan when bundled with an owner-occupied home loan that’s settled or in application with
No. You must have an owner-occupied home loan settled with us, or an owner-occupied application in progress with, to qualify for a packaged discount rate on your investment property home loan.
Your owner-occupier rate will not change if you get an investment home loan or if you refinance your owner-occupied home loan to us. The package rate only applies to an eligible investment property loan.
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)
If you are an employee, you'll need to supply a couple of recent consecutive payslips to confirm your income and employment. You will also need to provide up to three months' worth of bank statements showing your salary paid by your employer and other income. An internet transaction history will generally do.

If you have income paid to more than one account you'll need statements for all those accounts. Alternatively, you could provide your most recent Tax Assessment Notice and a letter from your employer that confirms your salary.

If you're self-employed, the paperwork will be slightly different. When you refinance a loan, you'll need to provide evidence of your ability to make repayments, so your lender will request two years of business and personal tax returns and ATO assessments. 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 see if you prequalify for your home loan using this link: Once you have completed this, we can generally get preliminary approval to you within 48 hours.
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 security assessment fee. The security assessment fee for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. The security assessment fee is not refundable and is payable when the security assessment 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!
award-winning-img mt-5 mt-md-0

At, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app. is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years as Australia’s leading non-bank lender.

We are also actively involved in our local community with our Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Join Our Other Customers

Best experience

We had the best experience getting a loan with the Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the team put into turning around our finance approval <3

Stamatia B.
04 Jul 2024

Outstanding customer service!

I had an excellent experience with while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.

Rohit P.
17 Jun 2024

Unbelievable result

Unbelievable result achieved by amazing team of professionals! I’m really grateful to for saving my property deal and will recommend everyone to use their services. Thank you!

Alexander S.
15 Jun 2024

Best company for organizing loans

If you ask me who is the best company for organizing loans, I will tell you: it is I had an excellent experience with them. Sonia, who helped us to get the loan in just 3 days exceeded my expectations. It was done very professionally, without any stress. I would definitely recommend to borrow money from.

Svetlana S.
14 Jun 2024

kind and so helpful made it so easy to get my car loan. I was quite overwhelmed when I first started looking in to a loan but once I spoke to Garth, he explained everything so clearly and answered all of my questions without any hesitation. He was so kind and so helpful, and so was everybody else I spoke to within the team.

Jasmin R.
01 Jun 2024

Very helpful with clear communication and quick responses

Ray and Jordan at have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to

My experience in getting a loan from has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024


Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

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