Smart Booster Home Loan - Owner Occupied
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How does it work?
If you are a home buyer or looking to refinance and have at least a 20% deposit, you can take advantage of the 2.60% variable rate for the first 24 months of your loan. We also offer a 2.74% variable rate loan for the first 12 months.
What’s so good about this loan?
The Smart Booster Home Loan is our lowest rate home loan which allows you to boost your savings, build up your equity and own your home, sooner.
No matter whether you’re buying your first home, a new home or looking to refinance to a better rate, we’re here to help you save thousands.
You also have the option to split this loan with one of our low fixed rate loans. You’ll have unlimited repayments and unlimited free redraws, with the option to add an offset sub-account to the loan.
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.
Smart Booster Home Loan Rates
Product Name
Initial Rate
Rollover Rate
Comparison Rate*
Max LVR
Smart Booster Home Loan~ SPECIAL OFFER
Discount Variable - 2 year
2.60%
3.00%
2.96%
80%
Smart Booster Home Loan~
Discount Variable - 1 year
2.74%
3.23%
3.22%
80%
Initial Rate
2.60%
Rollover Rate
3.00%
Comparison Rate*
2.96%
Max LVR
80%
Initial Rate
2.74%
Rollover Rate
3.23%
Comparison Rate*
3.22%
Max LVR
80%
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.
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
redraws
Reduce your loan term, whilst still having access to your savings.
$0
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.
$0
Ongoing fees
No recurring monthly or annual fees helps save you thousands over the life of your loan.
$0
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.
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).
Your estimated repayments are
Looking for a home loan under 2%? Look no further. The Smart Booster will help you boost your equity and own your own home sooner.
Our process
loans.com.au makes it easy to finance your home or investment property, so you can start saving thousands sooner. Here’s how:
Apply Online
Application
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.
What you do
Complete a quick pre-qualification online to see if you qualify or book an appointment at a time that suits you to speak with a home loan specialist.
What we do
Contact you at a time that works for you to discuss the information you provided or complete your application for you.
Goodbye Paper Work
onTrack
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.
What you do
Log into onTrack
Upload supporting documents
What we do
Verify your information
Settle & save
Settlement
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
What you do
Get the keys to your new home
Start saving!
What we do
Once settlement is complete, we'll send you login credentials to Smart Money
Frequently asked questions
- 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 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.
To avoid paying Lenders Mortgage Insurance (LMI), borrowers need a 20% deposit in most cases.
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!
At loans.com.au, 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.
loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our storyRead some of our real good feedback.
Our Google Rating
“ The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.„
Lawrence I.
April 28, 2022
“ Friendly and efficient service
Seamless experience. Friendly and efficient service.„
Garth W.
April 25, 2022
