A low-rate home loan saving you thousands

Smart Home Loan
  • 2.88 %
    variable rate p.a.*
  • 2.90 %
    comparison rate p.a.*

Discount Offer - Terms & Conditions

  • No monthly or ongoing fees
  • Unlimited additional repayments
  • Unlimited free redraws with no minimum redraw amount

We're awarded

  • %
    variable rate p.a.
  • %
    comparison rate p.a.

Discount Offer - Terms & Conditions

Save thousands on your mortgage

The Smart Home Loan is a no-bells-and-whistles loan with a super-low rate, unlimited additional repayments and free redraws.

Home buyers and refinancers
The same rate applies whether you are buying a new home or looking to reduce your monthly repayments by refinancing.

If you are looking for a simple, low-rate home loan that will save you money on interest and fees, then this is the perfect loan for you!

Low fees
The Smart Home Loan also saves you money with no ongoing fees:
  • $0 Monthly fee

  • $0 Annual fee

  • $0 Application fee 


Top reasons to choose Smart Home Loan

No monthly or ongoing fees

Unlimited free

Multiple loan splits available ^

Other features include…

Unlimited additional repayments

Weekly, fortnightly and monthly repayments

Smart Money app

Pay your bills with BPAY

Direct debit arrangement

Schedule recurring transfers

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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Loan Details
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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 are 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. 

From our local call centre, our service team helps hundreds of customers around the country every day. 
Home buyers are choosing us because we don’t have expensive branches and we pass the savings on to them.

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 39 years and has more than $10 billion in mortgages under management.


Reasons to choose us

We offer consistently low rates and no ongoing fees, saving our customers thousands of dollars.

  • 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.

  • Award winning

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

Online doesn't mean impersonal, lets talk!

Jazmin has been with for over 5 years. As an experienced Lending Specialist, Jazmin can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Specialists, like Jazmin, to find the right low rate loan package for you.

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