close icon
search icon Apply phone 13 10 90
Find out if you qualify

Ready to buy your next home?

There’s a few things to consider when buying your next home, like deciding whether you want to keep your current home as an investment property, or sell it to fund your next purchase. We’re here to help you understand your options, so you can make the right decisions when it comes to buying your next home.

If you're ready for a new home but don't quite want to give up your existing home, you could keep your existing home and transform it to an investment property. Use our equity calculator to calculate what useable equity you have in your existing property that could be used as a deposit to fund the purchase of your next home.

Alternatively, if it's time to say goodbye to your home, find out if you should buy first or sell your existing home first. We can even help out with some tips on selling your home.

If you’re ready to buy immediately and know the address of the home you want to buy, you can get ahead on your research and download a free property report.

No matter which way you go, we’re here to help.

Loans for buying my home

We're recognised & awarded by the Australian financial industry. View all awards

Smart Booster Home Loan
  • 2.10%
    discount var rate p.a.~
  • 2.46%
    comparison rate p.a.*

Get our lowest rate ever with the option to add an offset sub-account.

Why choose to help you buy your next home?


Low interest rates

We can offer rates much lower than some banks and lenders. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees so you can save when buying your next home.


Flexible options

We offer great low rates on our fixed, variable and split home loans for your next home purchase. We also offer discounts for large deposits or customers with owner occupied and investment properties, so it could be worth considering keeping your existing property as an investment to access some loan discounts.


Award winning

Many customers who joined us years ago continue to finance their new home purchases with us, plus we are also recognised by the experts. By keeping interest rates low and providing exceptional service, we keep on winning awards for our loans, extras and innovations, year after year!


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your application in your own time, and you can always upload sections and come back at a time that suits you as you focus on other aspects of buying a new home.


Australian based support team

We have an experienced, Australian based team. At every step of the home purchase journey, you’ll talk to a real person from our friendly team of lending specialists who are here to help you get a low rate home loan as quickly as possible, so you can get the keys to your next property.


Free Property Report

This can help you get started on research to make sure your next home is the right home for you. The property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.

Apply For An Investment Loan makes borrowing simple so you can buy your next home and start saving thousands, sooner. Go from application to settlement in a few steps. Here's how.


Apply online

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


Goodbye paperwork!

Login to onTrack 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.

Common home loan questions

Simply fill out your application online by entering some of your details here.

Alternatively, chat to one of our friendly lending specialists on 13 10 90 and they can complete your application for you.

After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?
You can use our equity calculator to calculate your usable equity and find out how you can use it to help finance the purchase of your next home. Calculate your equity here.
Selling your old house before buying a new one gives you the luxury of time. However, selling first does mean you’ll need to quickly find accommodation once your home has sold.

Buying first is a great option for those who have little ones or elderly loved ones, as you will have already found a place to move your family. However, you must be financially stable enough to cover the costs of loan repayments for both properties for however long it takes to sell your old property.
A property report is helpful if you're looking to purchase a new property, know the address and want to determine if it’s the right property for you, or potentially in a high growth area.

Our property reports provide information such as Estimated property value, Property mapping, Properties sold in the area, Market comparison, Median sale prices in the area and Suburb insights.
You can get your dream home at a great low home loan rate because of our online model. We have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.
We can provide approval for applicants in as little as 2-3 days, pending the customer's individual circumstances and all correct documentation has been provided. It's important to note that this is not a 'one size fits all' number, and the approval time will depend on each individual applicant's circumstances.

We'd always advise our customers to have the right documentation ready at application stage, so you can move forward with your application as quickly as possible. For more information for documents required for refinancing:
What documents do I need to refinance my home loan?

And for more information about documents required for a purchase or build:
What documents do I need to buy or build a home in Australia?
You have the option to add a 100% offset sub-account to your loan. Many people choose to do this to help pay their home loan faster and save thousands on interest payments. For an extra 0.10% to the loan, you can add a 100% offset sub-account with online, ATM, EFTPOS & Visa debit card access to your money, plus unlimited free redraws. For more information on adding an offset, click here.
Unlike many other lenders, we charge no monthly, annual or ongoing fees. The only fees you will pay on your home loan are a one-off $300 settlement fee plus a valuation fee, which for a standard property in a metropolitan area in a major city starts at $220.

Home loan repayment calculator

Use our home loan calculator to estimate what your monthly mortgage repayments could be. Whether you're refinancing or just wanting to understand how much you can afford, all you have to do is enter how the amount you would like to borrow, interest rate, home loan term, payment frequency, and repayment type (either principal & interest or interest-only).

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

Get started

Ready to buy your next home? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner.


Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your application for you.


Ready to apply?

Call 13 10 90 or select "Apply Now" to begin your online Home Loan application.

Get free property & suburb insights

To help you find the perfect home, we'd like to give you a free Comparative Market Analysis (CMA) property report, a breakdown of information about the property you are considering, including previous sale prices.


Estimated property value

An indication of how much the property is worth, based on factors including recent sale prices for comparable properties in the area.


Property mapping

An aerial photo of the property and its immediate surrounds, plus maps of the street & the property in relation to points of interest and facilities.


Properties sold in the area

You will be able to see details of recently-sold properties in the area including the date they were sold, land size, number of bedrooms, number of bathrooms and garage size.


Market comparison

Detailed information about nearby properties currently listed for sale or recently sold, including their first and last advertised price and days on the market.


Median sale prices in the area

The median sale price for homes in the area and how it has changed each month in recent years.


Suburb insight

Information about the suburb's demographics, such as household occupancy, household income and household structure.

Useful Resources


Guide to buying your next home

Most people have questions as they start on the home buying journey, so we have pulled together some articles to help you.

From information on our easy steps to apply for a home loan, to advice on pre-approvals and buying a home, you can find it here..

How it works - Home Loans - Purchase
Buying my next home

Whether your property is too hard to maintain or you’re simply ready for a smaller home, there are things to consider before you make the move.

Buying my next home

Whether you’ve grown in family size, want a taste of the country life or you’ve simply moved on from your first home, turning it into a rental property could be a favourable investment option.

Buying my next home

Buying property can be incredibly daunting. Here are some tips for home buyers on mistakes to avoid making when buying a house in Australia.

Buying my next home

Here are the things you should consider before buying a new home.

Buying my next home

Wondering if you should buy off the plan? Here are some pros and cons of buying a property off-the-plan.

Got a question? We can help


Chat online now

Send us a message via Live Chat and we’ll get back to you instantly.


Talk to a home lending specialist

Our experienced lending specialists can answer any questions you have on our loans.