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Calculate how much you could save with

1 Fill in your variable home loan details

2 Compare how much you could save over the life of your loan

3 Enter the competition to win $20,000 cash

Your home loan details

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Your total repayments

${{bar.amount | number}} {{bar.lender}}

Please fill more details to view potential savings

You could save ${{savings | number}} over the life of your loan if you switch to That’s a ${{savings/(remainingTerm*repaymentFreqVal) | number:0}} {{repaymentFreqTxt | lowercase}} saving.

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If it changes, look us up. has consistently low fees and competitive interest rates that keep the pressure on other lenders to help you save.

This is a direct comparison to the equivalent product and takes into account only the information entered. Savings are estimated and are for illustrative purposes only.

Why choose us?

Award winning

The latest additions to our trophy cabinet are 2015 Home Lender of the Year from Mozo, and a Financial Review Smart Investor Blue Ribbon Award.

Great value

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.

Hassle free

In less than a minute, you can find out if you prequalify for a home loan, then apply online in just five steps.

Ratings & reviews

  • 5

    June 23, 2017

    Value for money: 5/5

    Customer service: 5/5

    Simply the best value loans available in the market today.

  • 5

    June 21, 2017

    Value for money: 5/5

    Customer service: 5/5

    The whole process was painless and easy to manage. Would definitely recommend.

  • 5

    June 21, 2017

    Value for money: 5/5

    Customer service: 5/5

    Helpful staff and great competitive rates.


Our rates

OffsetRecommended for owner occupiers wanting a low rate and an offset redraw.
Essentials Recommended for owner occupiers who want a streamlined home loan.
Fixed Recommended for owner occupiers who want the security of a fixed rate.
Construction  The perfect loan if you are looking to build your dream home or renovate.
Rates & fees 
Interest rates*
Variable interest rate

3.72% (up to 80% LVR)

4.04% (up to 90% LVR)
Variable interest rate

3.64% up to 80% LVR
Fixed interest rate

3.89% (1 year)

3.99% (2 year)#

4.19% (3 year)
Variable interest rate

An interest rate loading of 0.25% applies to investment only loans. View all rates. package your owner-occupied loan with your investment loan and get our low rates for both.
Comparison interest rates*
3.74% (up to 80% LVR)

4.06% (up to 90% LVR)
3.66% (up to up to 80% LVR)
3.75% (1 year) 4.09% (1 year)

3.78% (2 year)#

3.84% (3 year)

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^Split combinations of dream loan offset variable and dream loan essentials are not permitted.

*Rates as at 18 December 2015. The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

**$150 voucher for Slater & Gordon Conveyancing Works only. Voucher provides $150 off the standard conveyancing fees for a purchase or sale transaction. Terms & conditions apply.