Find out if you qualify

Smart Home Loan

The Smart Home Loan is our low rate loan that could save you thousands on your dream home.

  • Option to add an offset with Visa debit card access for 0.10%^
  • No monthly or ongoing fees
  • Unlimited redraws

Discount Offer - Terms & Conditions

What’s so good about this loan?

If you’re ready to buy your dream home, this could be the right loan for you.

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee, or any ongoing or monthly fees.

You also have the option to split this loan with one of our low fixed rate loans. You also have unlimited repayments and unlimited free redraws, with the option to add an offset sub-account to the loan.


Offset available for 0.10%^

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.


No monthly or ongoing fees

Having zero recurring fees means you save thousands over the course of your loan.


Unlimited free

Reduce your loan term, whilst still having access to your savings.

Reasons to add an offset

Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.

No ongoing or monthly fees
Online, ATM and Visa debit card access to your money
Pay less interest on your loan!

Whenever you put money into your offset sub-account, that money is 100% "offset" against your home loan, with Visa debit card access. So, if you had a home loan of $350,000 and $10,000 in your offset sub-account, you only pay interest on the $340,000.

You can even maximise the "offset effect" by arranging for your salary to be paid into your offset sub-account. In this way your money is immediately put to work for you, saving interest!


Calculate your home loan repayments.

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Our process

At, we make borrowing simple. We’re here to help you from application through to settlement.


Apply online

Fill out our online application or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

Log in to onTrack app and easily upload the required documents. Plus, you can track your application through to approval.


Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.


Application fee


Monthly fees


Annual fees

Who is is a proudly Australian, award-winning online lender based in Brisbane.

Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and are also Premier Sponsors of NRL team the Brisbane Broncos.


Reasons to choose us


Award winning

By revolutionising the loan application process and our market-leading rates, we keep on winning awards for our products, innovations and customer service, year after year!



In less than a minute, find out if you pre-qualify for a home loan and apply online.


Great Value

We don’t have a branch network to maintain or mortgage brokers to pay, so fewer overheads mean those savings translate directly into lower interest rates and fees 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.


Our awards

As one of Australia’s first online lenders, we move fast and continue to develop our technology and loans to make sure it’s meeting what our customers actually want, whether it’s making improvements to our apps, processes, rates or even providing more environmentally friendly loans.

Because of this, we’ve won awards each consecutive year since 2011 for our innovation, low rate home loans and car loans and extras like our offset sub-account from experts like RateCity, Canstar and Mozo to name a few.

See all our awards


Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

We're the home of smart money


We're the home of smart money

We're the home of smart money is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.