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Discount Offer - Terms & Conditions

Discount Offer - Terms & Conditions

Discount Offer - Terms & Conditions

A simple low-rate home loan.

  • No ongoing fees
  • Unlimited redraws
  • Smart Money app
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It’s smart to save thousands on your home loan

The Essentials is our simple home loan for borrowers who don’t need bells and whistles just a great low rate loan.

You can apply online or arrange a call with one of our Australian-based loan specialists who will take care of all the paperwork for you. Applying is simple and we can settle your loan quickly so you start saving faster. With, you can have confidence in dealing with Australia’s largest non-bank lender.

Why choose the Essentials loan?

No monthly or ongoing fees

Unlimited free redraws

Multiple loan splits available ^

Other features include…

Interest Only option available

Unlimited additional repayments

Weekly, fortnightly and monthly repayments

Smart Money app

Pay your bills with BPAY

Direct debit arrangement

Schedule recurring transfers

It's as easy as 1,2,3... makes borrowing simple so you can purchase or refinance with confidence.

Go from application to settlement in three easy steps.

Here's how to lock in a super-low-rate home loan, super-fast.



Apply online or on the phone with one of our Australian-based loan specialists.


onTrack to Approved

It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.


Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Purchase with Confidence

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

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
Request A Call
7am - 7pm, Monday to Friday. AEST