Our Super Low Fixed Rate
  • 3.79 %
    2yr fixed rate p.a.**
  • 3.92 %
    comparison rate p.a.**

  • %
    variable rate p.a.
  • %
    comparison rate p.a.

Discount Offer - Terms & Conditions

Lock in a low rate

Package your owner-occupied and investment loans and lock in the same low fixed rate for both. Our Smart Loan Package gives you a super-low rate and the peace of mind of knowing your rate is fixed for 2 or 3 years.

With a fixed rate that is lower than many lenders’ variable rates, our Smart Loan Package is a great choice if you are concerned that interest rates could rise in the future.
If you would like to secure your rate for longer you can fix it for 3 years at 3.89% (3.93% comparison rate**).

Product features

No ongoing fees

Multiple loan splits

Interest Only option available

Smart Money app

It's simple

You can go from application to settlement in three easy steps.
Here’s how to lock in a super-low-rate home loan, real quick.

1. Apply

Apply online or on the phone with one of our loan specialists.

2. onTrack to Approved

Track your application, receive your loan documents and set up online services with our award winning onTrack app.

3. Settle and Save

We do everything required for the loan settlement, so you can start saving money.


Everyone gets lost in the excitement of searching for your new home. Apply today for conditional pre-approval, so you can go house-hunting with confidence. It only takes a minute.

Quick and seamless

Found the perfect property? Apply online in just three steps for a quick and seamless application and approval process. And should you need to settle quickly, it's easy for us to work to your time frames. Making it happen is what we’re about.


It’s always a good idea to plan ahead. Get a quick guide on your borrowing power or what your repayments might be with our easy to use calculators.

Repayments Calculator

Like to know your weekly or monthly repayments?

Borrowing Power Calculator

Like to know how much you can borrow?

Personal Service

We’re big on a local personalised service, all our loan specialists are based in Australia and are available 7:30am - 6:30pm AEST.

You’ll be assigned your own loan specialist and should you need it, they’ll guide you through the application process over the phone. Should you have any small niggling questions you can always quickly access help, through our live chat hub.

Talk to a loan specialist today.
13 10 90