close icon
search icon Apply phone 13 10 90 is proudly part of the Firstmac Group. Launched by Marie Mortimer in 2011 as a retail brand for non-bank lender Firstmac, was one of Australia's first online lenders allowing people to get a home loan online. Today, remains one of the largest and most trusted online lenders in the country.

To find out more about the people behind our story:


img-2011-milestone img-2011-milestone


  • In 2011, we owned the domain name and built our website.

  • In our first week, we launched with a killer rate and the AFR wrote an article about us. We were in the office on a Friday night watching home loan applications come in after hours, when bank branches were closed and people were applying for finance online!


  • It didn't take long for us to get recognised by the experts, with awards for our home loan products from Your Money Magazine, Canstar, Mozo and more from our first year and beyond.

img-2012-milestone img-2012-milestone
img-2016-milestone img-2016-milestone


  • In 2016, we expanded from home loans and started offering low rate car loans.

  • We also launched our end-to-end application app onTrack, allowing you to upload your documents and track the status from application to settlement completely online, all from your device.


  • In 2018, our parent-company Firstmac's sponsorship of the Brisbane Broncos was extended to

  • We also successfully petitioned to get legendary Queensland player Allan "Alfie" Langer a statue at Suncorp Stadium.

  • We launched our "Green Car" discount, rewarding car loan borrowers for choosing more energy efficient vehicles.

  • Finally, we launched our Smart Money online services app.

img-2018-milestone img-2018-milestone
img-2020-milestone img-2020-milestone


  • In July 2020, we became Australia's first lender to offer a rate lower than 2%.


  • 2021 was a big year for In celebrating our 10 years of business, we launched our Women, Children & Community Program to get ourselves more involved in our community with our charity partners.

  • We also launched our low rate SMSF home loan, and a "Green Home Loan" discount, encouraging customers to buy or build an energy efficient home.

  • We launched our sister company and car buying service,

img-2021-milestone img-2021-milestone
img-2022-milestone img-2022-milestone


  • We launched our "Electric Vehicle loan" discount to meet Australia's transition towards choosing electric cars.

Our loans

No matter whether you're looking at buying your first home, your next home, a used car or a new Tesla, we're here to help. At every step of the way, you'll talk to a real Australian-based expert and you'll be assigned one dedicated lending specialist and support specialist so you don't have to answer the same questions over and over again.

Our Purpose is more than just an online lender. We understand that nobody really wants a loan, rather, they want a home to live in, a new car to drive, their next investment property or to save thousands on an existing loan.

We put people at the heart of everything we do, and that doesn't stop at supporting customers with their home and car finance. We also do our best to support our local community through our Women, Children & Community Program. We participate in a number of ways, whether it be financial support, employer-supported volunteering, donating items or raising awareness for local charitable causes. We support a number of causes which benefits the Women, Children and wider Community throughout Australia.


We're also extremely passionate about implementing green values within our business and in our product offering. We're proud to reward customers who choose more environmentally friendly options for their home and car with a Green Home Loan Discount, a Green Car Loan Discount and an Electric Vehicle Discount. Plus, our office is paperless, with more than 300 staff working to reduce our waste consumption by processing all home loans and completing our day-to-day tasks online, without using any paper.

As a leader in the fintech space, our Managing Director Marie Mortimer is extremely passionate about developing the fintech industry in Australia, and is a Board Member of FinTech Australia and FinTech QLD. Marie is also a Director of community housing not-for-profit, Mangrove Housing, which provides affordable housing solutions for over 2000 at risk people in Queensland, leading by example in the community.

To read more about the Women, Children & Community Program:

Why choose us?

We've been making it easy for Aussies to save thousands on their home and car loans for more than 10 years.


Low rates & fast decisions

Our online model means we can offer lower rates. Fewer overheads and efficient processes means we can pass those savings directly to our customers and assess applications quickly, so you can settle, sooner.


Australian-based support

At every step of the way, you'll talk to a real, experienced Australian-based specialist who genuinely wants to help you.


Award winning

Many customers who have bid at auction have financed their new home purchases with us. Don't just take our word for it - 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!


Hassle free

Find out if you qualify for a home or car loan in just minutes. The application process is simple, online, plus we’re here to help whenever you need it.


onTrack advantage

onTrack is our online app which allows you to complete your home or car loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your application in your own time, as it suits you.


It's safe and secure complies with the National Consumer Credit Protection Act (NCCP) which is enforced by Australian Securities and Investments Commission (ASIC). But don't just take our word for it. Since 2011, we've written more than 40,000 loans and have happy customers in every state and territory in Australia.

Frequently asked questions

Just because a lot of our money comes from the banks, that doesn’t mean we are a broker for the banks. When you take out a loan with us you are borrowing from us, not them, and you will deal directly with our friendly Customer Care team for the life of your loan.

Our associate company Firstmac issues securities, called Residential Mortgage Backed Securities (RMBS), to Australian and international institutions and investors. The Australian major banks are large investors in our RMBS which reflects the confidence of major investors in our business. Since 2003, Firstmac has issued over $32 billion in RMBS.

At we try to keep our rates as low as possible for all our customers. However, we still have to change our variable rates in response to changes in our funding costs. In a falling interest rate environment we don’t hesitate to cut rates for existing customers. For instance, between November 2011 and March 2020 we cut rates for existing customers in our largest loan category – owner occupiers with Principal & Interest loans - 15 times, and only raised them 4 times. They joined on a great rate and found themselves on an even lower rate!

We make sure our rates for existing customers are always highly competitive compared to other lenders, but if you want to fully protect yourself against potential rises, we also offer competitive fixed-rate loans that will lock in your repayments for up to 3 years.

We are backed by the financial strength Firstmac, a leading non-bank lender which has been in business for over four decades. You can be secure in the knowledge that we are regulated by the Australian government (ASIC/NCCP). is financially strong, conservatively managed, and regulated by the Australian government.

Our operations are covered by the National Consumer Credit Protection Act which is enforced by the consumer watchdog, the Australian Securities and Investments Commission.

All of our staff are fully trained in their obligations under these laws and dedicated to ensuring that the product you select meets your requirements and objectives.

We are solid, but don’t just take our word for it. International ratings agency Standard & Poor's awards our associate company Firstmac its highest possible ranking for loan serviceability – STRONG. "Firstmac continues to demonstrate strong servicing quality," Standard & Poor's said. According to Standard & Poor's, Firstmac's key strengths include:

  • A well-established position as an experienced primary servicer of prime residential mortgages
  • A comprehensive corporate governance and risk-management framework
  • A well-designed internal-controls framework and internal audit program, supported by structured annual audit plans;
  • Solid loan-processing and servicing infrastructure
  • A robust training and development program

So what are you waiting for? Chat to us today - you could save thousands.


Chat online right now

Send us a chat message with any questions you might have.


Talk to a home loan expert

Our experienced loan specialists are here to help – just book a call to have all your questions answered.