Find out if you qualify

Pay less interest every month

Investing in property is a great way to build your wealth. We understand that the type of loan you choose can be just as important as the type of property you invest in.

That’s why we’ve done our best to create a range of low-rate home loans that can be tailored to your needs.

Our lowest rate investor loan is the Smart Investor home loan. This hassle free, no bells-and-whistles loan comes with an ultra-low variable rate that helps you save on interest repayments. It has no ongoing fees so you can focus on building your wealth and expanding your portfolio.

We also have Offset, Fixed, and Interest Only loans to suit all investment buying needs.

The Smart Investor delivers outstanding value for both P&I and Interest Only repayments.

Top reasons to choose Smart Investor


Offset available
for 0.10%**


No monthly or
ongoing fees


Unlimited free

Other features include…


Interest Only option available


Unlimited additional repayments


Weekly, fortnightly and monthly repayments


Smart Money app


Multiple loan splits available


Pay your bills with BPAY


Direct debit arrangement


Schedule transfers

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.

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.

Online doesn't mean impersonal, let's talk!

When you apply online with, you get the same experience as a private bank! You will be assigned your very own lender who will stay with you all the way through to settlement.