Home Loans Made Simple

Turn your property dreams into reality with competitive rates, flexible features, and expert support. Whether you're buying your first home or investing in property.

Why Choose Our Home Loans?

Comprehensive home loan solutions designed for Australian property buyers

Competitive Rates

From 5.89% p.a. variable rate with discounts for low LVR loans and package deals

Offset Accounts

Save on interest with 100% offset accounts that reduce your loan balance daily

Redraw Facility

Access extra repayments when you need them with our flexible redraw feature

No Hidden Fees

Transparent pricing with no ongoing fees, application fees, or nasty surprises

Fast Approval

Get conditional approval in as little as 24 hours with our streamlined process

Expert Support

Dedicated loan specialists to guide you through every step of your journey

Home Loan Options

Find the perfect home loan for your situation

Owner Occupier Loans

  • Variable rates from 5.89% p.a.
  • Fixed rates from 6.19% p.a.
  • First Home Buyer benefits available
  • Loan terms up to 30 years
  • Borrow up to 95% with LMI

Investment Property Loans

  • Variable rates from 6.25% p.a.
  • Interest-only options available
  • Tax benefits and deductions
  • Portfolio lending available
  • Borrow up to 90% property value

First Home Buyer Special

  • Access to government schemes
  • Reduced deposit options from 5%
  • First Home Owner Grant eligible
  • Stamp duty concessions
  • Dedicated first buyer support

Construction Loans

  • Progressive drawdowns available
  • Interest-only during construction
  • Land + construction packages
  • Progress payment flexibility
  • Convert to standard loan post-build

Powerful Home Loan Features

Everything you need to maximize your property investment and minimize costs

Make Your Money Work Harder

100% Offset Account

Every dollar in your offset account reduces the interest on your home loan. If you have $50,000 in offset against a $400,000 loan, you only pay interest on $350,000.

Extra Repayments

Make unlimited extra repayments to pay off your loan faster and save thousands in interest. Even small amounts can make a big difference over time.

Redraw Facility

Access your extra repayments when life happens. Whether it's renovations, emergencies, or opportunities - your money stays flexible.

Calculate Your Savings

Loan Amount$500,000
Offset Balance$50,000
Interest Charged On$450,000

Annual Interest Saving

$2,945

*Based on 5.89% interest rate

Am I Eligible?

Simple requirements to get your home loan approved

Basic Requirements

  • Be 18 years or older
  • Australian citizen or permanent resident
  • Stable employment or income source
  • Good credit history
  • Genuine savings of at least 5% deposit
  • Ability to service loan repayments

Documents You'll Need

  • Photo ID (Driver's License or Passport)
  • Recent payslips (last 3 months)
  • Bank statements (last 6 months)
  • Tax returns (last 2 years)
  • Property contract (if purchasing)
  • Existing loan statements

Current Interest Rates

Competitive rates updated daily

Loan TypeRate TypeInterest RateComparison Rate*Action
Owner OccupierVariable5.89% p.a.5.92% p.a.
Owner Occupier1 Year Fixed6.19% p.a.6.15% p.a.
InvestmentVariable6.25% p.a.6.28% p.a.

*Comparison rate based on $150,000 loan over 25 years. Rates current and subject to change.

Ready to Buy Your Dream Home?

Get the home loan you need to make your property dreams a reality. Apply today and get approved within 24 hours.