Smart, flexible and cost-effective loans

At we know that our savvy customers want flexibility, so all our loans come fully featured with an offset
account and the ability to make additional repayments and redraw.
Plus, as the name suggests, our low rate home loan offers sharp rates with no monthly or annual fees.
If you're seeking a smarter, flexible and cost-effective solution, you've found the place.

Owner Occupied


2.14 % PA

Variable Rate

2.16 % PA

Comparison Rate



2.29 % PA

Variable Rate

2.31 % PA

Comparison Rate

Rates shown apply up to 60% LVR with Principal & Interest repayments. See all rates here. Further information below.

Low rate home loan features

  • No monthly or annual fees
  • 100% offset account
  • Unlimited additional repayments
  • Free online redraw
  • Principal & interest or interest only repayments (Note: repayment type affects rates)
  • Customer Benefits Program
  • A new tree planted on your behalf
  • Visa™ Loan Access Card

and charges

Valuation †
plus legal
+ legal


  • Owner occupiers or investors (loan purpose affects rates)
  • Loans between $100K and $2M
  • Loans up to 95% of the value of the property (LVR affects rates)
  • Buying or refinancing an established (not off the plan or construction) residential property
  • Australian/New Zealand citizens or permanent residents living in Australia
  • A good credit history

Get a home loan pre-approval

Make an offer with confidence, with a home loan pre-approval from!
Try our quick and easy online pre-approval tool, which can give you pre-approval
in as little as 20 minutes. Get started
You can learn more about how pre-approval works here.
How does it work

Talk to us

Need to know:

Eligibility criteria apply. Interest rates are effective from 13 November 2020 and are subject to change. Interest rates shown apply to new eligible loans up to 60% LVR with Principal and Interest repayments and may differ depending on borrower type and LVR, and are subject to change (you can view all our rates here). †Valuation cost up to a maximum of $500 provided free of charge. For valuation costs totalling more than $500 a fee may be payable by the applicant. Terms and conditions apply to all loan features. The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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