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A fully-featured low-rate home loan.

 
  • Redraw offset facility
  • Visa debit card
  • No ongoing fees
  • Smart Money app
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Smart Loan Package

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

Rates from

3.97%

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

3.99%

Comparison rate p.a.*

$1,902.75

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 even more with an offset.

Our Offset home loan with a 100% redraw offset facility can help you to pay off your loan faster and with less interest.

Whenever you put money into your redraw offset facility that money is 100% “offset” against your home loan.

So if you had a home loan of $350,000 and $5,000 in your redraw offset facility, you only pay interest on $345,000.

Monthly repayments
Your monthly repayment won’t change, but you will pay off more on your home loan each month, so you will pay off your loan faster and with less total interest.

Online, ATM and VISA debit access
You have full access to your money in the redraw offset facility, with a free VISA debit card, ATMs and online.

Make your money work smarter for you
You can maximise the "offset effect" by arranging for your salary to be paid into your redraw offset facility. In this way your money is immediately put to work for you, saving interest!

Purchase with Confidence

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

How Often Should You Refinance Your Home Loan?

You need to think carefully if it makes financial sense to replace your old home loan or not. Here are some things to consider before you decide to refinance your home loan.

VIEW ARTICLE

Securing Investment Home Loans at Low Rates

If you plan to invest in a property, you will probably need an investment home loan to finance your acquisition.

VIEW ARTICLE

Choosing the Right Tenant for Your Rental Property

Tenant screening is one of the most important things you need to do when managing your own rental property. Here are some tips on how you can pick the right tenant for your rental property.

VIEW ARTICLE

Meet some of the team

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

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