Smart Loan Package

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

  • 3.64%
    variable rate p.a.*
  • 3.66%
    comparison rate p.a.*

Turbo-charge your investment returns

Looking for a loan package for your owner-occupied and investment loans? Our Smart Loan Package has great low rates and all the features you need in a home loan.

By packaging your owner-occupied loan with your investment loan, you can enjoy the same low rates for both. You also benefit from a range of home loan features, including a 100% redraw offset facility, flexible payment options, split loan facilities and much more.

Smart Loan Package features:

  • Great low rate on investment loans when you package with your owner-occupied loan
  • Available for purchase and refinance
  • $0 ongoing fees
  • Up to 5 years interest only available
  • Max 80% LVR. See product brochure.
  • Unlimited additional repayments on variable rate loans
  • 24/7 unlimited access to your account online
  • Weekly, fortnightly and monthly repayment options
  • The option of a Visa debit card for purchases and ATM cash withdrawals
  • Borrow up to $2 million

Online doesn't mean impersonal, let's talk!

Hannah has been with for over five years. As an experienced Senior Support Officer, Hannah can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced support team members, like Hannah, to find the right low-rate loan package for you. Call 7am - 7pm Monday to Friday.

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Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

view brochure

Fees & costs

Our fees & costs
Monthly fee: $0
Annual fee: $0
Application fee: $0
Settlement fee: $300
Discharge fee: $300
Discharge documentation fee: $250
Government and third party costs
Valuation fee (may be higher in some cases): $220 or at cost
Government fees and charges at cost

Our awards

In 2017 and 2016, received 5 star ratings for our owner-occupied and investor home loans from Canstar.

We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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