The no regrets fix!

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

Lock in a low rate

It's a great time to fix your loan and protect yourself against future rate rises. Our Smart Loan Package gives you a super-low rate and the peace of mind of knowing your repayments won't change 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 are on the way up. If you would like to secure your rate for longer you can fix it for 3 years at 3.89% (3.93% comparison rate**).

No ongoing fees

Multiple loan splits 

Interest Only option available

Smart Money app

Reasons to choose us

We offer award-winning, low-rate home loans with no ongoing fees, saving our customers thousands of dollars.

The latest addition to our trophy cabinet is the 2018 CANSTAR 5 Star Rating Outstanding Value for Variable Home Lender - Owner-Occupied and Investment.

We are online only, so what we save on the cost of branches, we pass on in the form of lower interest rates for our customers.

All the home loan features you need at a fast application and a great interest rate.

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.

Call us on
13 10 90
Request A Call
7am - 7pm, Monday to Friday. AEST