value pack

At we offer more than just a great low
interest rate. Included with our fixed rate and offset
home loan is our value pack. Home loans just got better.

  • 4.27%
    variable rate p.a. (90% LVR)
  • 4.29%*
    comparison rate p.a. 

Our awards

This great pack includes

  • Australia's Cheapest Home Loan 2015#

  • Free property reports to help you find your new property

  • A $150 conveyancing voucher

  • Our Loan Tracker premium service

  • A fully transactional 100% offset facility

  • Great rates on home and contents insurance

  • No monthly or annual fees

Easy access

A low interest rate is just a small part of our variable home loan. You also have greater access to your money through our 100% Offset that offers unlimited free redraws with no minimum withdrawal. Best of all, you can access your money 24/7.

Get online at any time, from anywhere, to manage loan transactions, statements, redraws, and bill payments. You’ll also have a Visa debit card for purchases and cash withdrawals worldwide, covered by the safeguards of Visa’s own security network.

It’s the most efficient way to manage your money, wherever you are, at a time that works best for you.

More for you

Our home loans give you more for less, and with greater flexibility. There are a host of top loan features designed to help you pay off your home quickly and easily.

Choose from weekly, fortnightly, or monthly repayments, and up to 10 years of interest only. You can have five free loan splits and the option to split between fixed and variable. You can also make unlimited additional repayments.

Additional information

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   Compare our home loans

application guide icon

   Application guide


New Value Pack special features 

  • Australia’s Cheapest Home Loan 2015# - 4.27%pa 4.29%pa comparison rate*

  • Free property reports - Use the data that agents, valuers, and banks use to find out important information on the suburb or property you like with the property reports.

  • A $150 conveyancing voucher through Slater and Gordon Conveyancing Works.

  • Loan Tracker premium service - our online loan tracker gives you oversight and control of the loan application process. You can upload documents at your convenience, ask questions, get answers, and track the status of your application

  • Fully transactional 100% offset facility - no monthly fees, no redraw fees and no minimum withdrawal. You have access to your money online and with a VISA Debit card.

  • Great rates on home and contents insurance - we can help you save further with home building and contents insurance, providing a range of benefits for greater peace of mind.

More home loan features

  • Borrow up to 90% of your property value 

  • Owner occupier and investor

  • Available for purchase and refinance

  • Up to 10 years interest only option available

  • Split loan facility – Up to 5 free splits. Fixed or offset variable split options available.

  • 24/7 unlimited access to your account online and by phone

  • Weekly, fortnightly, and monthly repayment options

Fees & costs

Monthly fee


Annual fee


Application fee


Settlement fee


Government and third party costs


Valuation fee (may be higher in some cases)

$220 or at cost

Government fees and charges

at cost


Work out your repayments has been awarded Money magazine's Cheapest Home Loan - non bank two years running. 
Find out more about our awards 

What 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.

Find out more about us

A personal lending manager

When you apply online with us you’re assigned your own personal lending manager and support officer who are your points of contact for the whole process. Your lending manager and support officer will be with you all the way through to settlement. It makes it easier for you, and for us, as you don’t have to tell your story to someone new each time you call. is part of the Firstmac Group, one of Australia’s top non-bank lenders, with 35 years’ experience, $6 billion in mortgages under management and $150 million in cash investments.

100% online means you save doesn’t have a branch network to maintain or mortgage brokers 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.

Apply online today

*View our comparison rate disclaimer

**$150 voucher provides $150 off the standard conveyancing fees for a purchase or sale transaction. Terms & conditions apply. 

*Rates as at 4 February 2015 for dream home loan offset variable (with Value Pack). The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.