Find out if you qualify

Why choose our fixed rate loan? has been shaking up the Australian home loan market for seven years with our super-low fixed and variable rates. Now we have done it again with this incredible 3-year fixed rate!

For a price lower than most other lenders’ variable rates, you get the confidence of knowing your repayments are locked in for the next three years.

Other great features include:

  • Flexibility

    You can fix part of your loan at this low rate, and leave the rest on our low variable rate. This reduces your exposure to any rate changes but still lets you use our 100% redraw offset facility to reduce your interest.

  • Added security

    A Rate Lock to ensure your interest rate doesn’t change in the period between application and settlement.

  • Repayment options

    Choose weekly, fortnightly, or monthly repayments with up to five years interest-only and, at the end of the fixed term, your interest rate reverts to a variable rate.

  • Property transfers

    Your fixed rate home loan is transferable from one property to the next without the need for a full application.

To find out about all of our very low fixed rates and get the perfect deal for you, book a phone appointment with one of our friendly Lending Specialists.


Top reasons to choose Fixed


Rate lock option


Interest Only
option available


Weekly, fortnightly and
monthly repayments

Other features include…


Multiple loan splits


No monthly or
ongoing fees


Smart Money app

Our Super Low Owner Occupier Fixed Rates

Fixed Rate Term
Principal & Interest Fixed Rate Comp Rate*
Interest Only Fixed Rate Comp Rate*

It's so 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.

Home loan calculator

Use our home loan calculator as a general guide to what your repayments are likely to be on your new home loan.

The home loan calculator will also tell you how much you will pay in total over the life of your loan and let you compare two different home loans to find out which is the best value.

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Fast track your application

If you're ready to move fast on your home loan, we can get you there in a few easy steps with our hassle-free online applications.

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


  • $0
    Monthly fee
  • $0
    Annual fee
  • $0
    Ongoing fees

Who is is an award-winning online lender that is proudly Australian and based in the heart of Brisbane. Since we were founded in 2011, we have become an industry leader with thousands of happy customers in every state and territory.

Our team of Australian-based lending specialists is ready to work to your time frames so you can purchase your car with confidence.

We are backed by the financial strength of our associate company Firstmac, which is Australia’s largest non-bank lender. Firstmac has been operating for 40 years and has more than $12 billion in mortgages under management.


Reasons to choose us

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

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

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.

We employ industry-leading technology to keep your information safe. All data sent and received is protected by 256 bit SSL encryption and a firewall mechanism to ensure confidentiality.

Jazmin has been with for over five years. As an experienced Loan Specialist, Jazmin can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Loan Specialists, like Jazmin, to find the right low rate loan package for you. Call 8am - 6pm Monday to Friday.

Arrange a call