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Smart Home Loan - Owner Occupied

3.23% variable rate p.a.*
3.25% comparison rate p.a.*

Estimated Repayment# $1,519.38 / month

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What’s so good about this loan?

If you’re ready to buy your dream home, this could be the right loan for you.

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, or any ongoing or monthly fees.

You also have the option to split this loan with one of our low fixed rate loans. You also 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.


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.

Smart Home Loan Rates

Product Name


Principal & Interest Rate p.a.

Interest Only Rate p.a.

Smart Home Loan**

Up to 80%

3.25% comp rate*

3.56% comp rate*


Up to 90%

3.56% comp rate*



Up to 80%

Principal & Interest Rate p.a.

3.25% comp rate*

Interest Only Rate

3.56% comp rate*


Up to 90%

Principal & Interest Rate

3.56% comp rate*

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.

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 process makes it easy to finance your home or investment property, so you can start saving thousands sooner. Here’s how:

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.

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.


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


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

Apply Online

Frequently asked questions

You can get your dream home at a great low rate because we don’t have to pay for branches or broker commissions and have innovative technology processes, which means we pass our savings directly on to you.
To apply for the Smart Home Loan or any of our loans, visit or call 13 10 90 and one of our lending specialists can help, or even complete the application for you.
You have the option to add an offset sub-account to this loan at an additional cost. For more info on this, please call one of our lending specialists on 13 10 90.
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 valuation fee. The valuation fee for a standard property in a metropolitan area in a major city starts at $220 for properties valued up to $1 million. The valuation fee is not refundable and is payable when the valuation 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!

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, 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 Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Read some of our real good feedback.

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April 28, 2022

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April 25, 2022

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