Smart Loan Package
Rates from
Variable rate p.a.*
Comp rate p.a.*

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

  • Great low rate on investment loans when you package with your owner-occupied loan
  • Interest only option available
  • No monthly or ongoing fees

Please wait...

Loan amount

Monthly repayments#

More competitive rate and friendly service

Very happy to change over from one of the big four banks to a more competitive rate and friendly service. Smooth process and support available to guide through the whole application.

Tom W.
6/06/2017 12:00:00 AM


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% offset redraw facility, flexible payment options, split loan facilities and much more.

A smarter way to get from loan application to settlement

At, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.




Borrowing power

Find out how much you can borrow based on your income and expenses.


Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.


Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 


Meet some of the team

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

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 175 reviews.
As rated by our settled customers


User friendly online app
Very happy as it is all online. The loan app is user friendly. The main thing for me is reduced interests rates so I switched from major bank.

Value for money: 5/5
Customer service: 4/5 Recommend to a friend?: Yes

Devidas G. - Vermont, VIC
June 09 2017

Service as good or even better than the big banks
I was expecting minimal interaction with a "real person" being an online service, but it was complete opposite. The service you get with is as good or even better than the big four banks.

Value for money: 5/5
Customer service: 4/5 Recommend to a friend?: Yes

Khoa N. - Canterbury, VIC
June 08 2017