Find out if you qualify

The Smart Home Loan is our super-low rate loan that will save you money on interest and fees.

It’s easy to apply online or speak to one of our Australian based loan specialists who will take care of all the paperwork for you. Applying is easy and we can settle your loan quickly so you start saving sooner. With you can have confidence in dealing with Australia’s largest non-bank lender.

Want to add an offset?

Add an offset sub-account with VISA debit 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 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 access. So, if you had a home loan of $350,000 and $5,000 in your offset sub-account, you only pay interest on the $345,000.

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!



Top reasons to choose Smart Home Loan


Offset available
for 0.10%**


No monthly or
ongoing fees


Unlimited free

Other features include…


Unlimited additional repayments


Weekly, fortnightly and monthly repayments


Smart Money app


Pay your bills with BPAY


Multiple loan splits available


Direct debit arrangement


Schedule recurring transfers

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

Find out more

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