home loans has home loans for owner-occupiers and investors, with rates starting from 1.85%.

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We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it! is an online Australian lender offering home and car loans. Check out the full table of products below or read more about the lender and its loans.

Compare home loans for August 2021

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Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit Smart Booster Discount Variable Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Get a low discounted variable rate loan. Requires a 30% deposit. Get your loan processed fast and settle within 30 days. Smart Booster Discount Investor Variable Home Loan P&IInvestment≥ 20% Deposit Smart Booster Discount Investor Variable Home Loan
  • App: $0
  • Ongoing: $0 p.a.
If you have an owner occupier loan with you can also get this very low rate variable mortgage for your investment property. Principal and interest repayments. Add an offset account for an additional 0.10% on your interest rate. Get your loan processed fast and settle within 30 days. Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit Smart Booster Discount Variable Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Home buyers can get a very low discounted variable rate for the first year. Requires a 20% deposit. Add an offset account for an additional 0.10% on your interest rate. Get your loan processed fast and settle within 30 days. Green Home Loan P&IHome≥ 10% Deposit Green Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Buying an energy-efficient home to live in? Get a discounted rate and borrow up to 90%.

Compare up to 4 providers key facts

  •'s most competitive home loan rates are lower than the market average. offers fixed and variable rate loans for investors and owner-occupiers.
  • is an online lender. The lender has phone and email support for customers and applicants.
  • You can get some loans with a deposit as low as 10%, while many require a standard 20% deposit.
  • The lender has some unique loans for borrowers in specific circumstances, such as its Green Home Loan for energy efficient homes, and loans tailored for investors who also have owner-occupier mortgages.

Review by our senior home loans writer Richard Whitten home loan features

Here are the key features and details you need to know about's mortgage products.

Minimum depositMost loans have 80% maximum LVRs. This means you can borrow up to 80% of the property's value. But some of its loans are available with just 10% deposits.
Offset accountYou can get an offset sub account on some mortgages.
Repayment optionsMost's home loans allow you to make interest-only repayments or principal-and-interest repayments.
Split rateMost mortgages allow you to split your loan into fixed and variable portions.

How do I compare home loans?

To make sure you find the right loan you need a clear idea of what you're looking for in a mortgage. These simple questions can help:

  • Are you comfortable applying online? Because is an online lender you need to be comfortable completing the entire home loan process via the web (with phone and chat support).
  • What do you need the loan for? If you're buying a home to live in you need an owner-occupier loan. Property investors need an investment loan rate. has both.
  • Fixed or variable? Do you want the flexibility of a variable rate loan that could rise or fall at any time? Or are you happy to lock in a fixed rate for a specified period so you can forget about rate changes at all?
  • What features do you need? home loans have flexible repayment options but not all of its loans have offset accounts.

How do I apply for a mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


Each product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details: You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's license, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

Are smaller banks and lenders trustworthy?

Most Australian borrowers bank with one of the Big Four banks (Commbank, ANZ, Westpac and NAB). You might have some concerns about getting a loan from a smaller lender you've never heard of. But there's no reason to worry about going with a smaller lender.

In Australia, banks and lenders are regulated by the Australian Prudential Regulation Authority (APRA) or the Australian Securities and Investments Commission (ASIC). As a lender, must comply with the National Consumer Credit Protection Act.

Lenders like

If you want to compare loans from similar lenders to then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.
  • UBank. This online bank is actually owned by NAB.

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14 Responses

    Default Gravatar
    NeilFebruary 25, 2019

    My home is worth $650,000 . My mortgage balance is under $95,000 @ 4.48% with a $25,000 redraw facility. I am looking for an interest rate around 3.8%. Can you help.

      Avatarfinder Customer Care
      JeniFebruary 28, 2019Staff

      Hi Neil,

      Thank you for getting in touch with Finder.

      If you consider getting a refinance home loan with kindly proceed to the comparison table on this page. Please enter the loan amount and the loan term then click the ‘Calculate’ button to start comparing your options. You can click the ‘Go to site’ button to be redirected to their official page and learn more about their home loan rates and offers. Their minimum loan requirement is at least $50,000. If you are still looking around, you may check our list of refinancing home loans. Please enter the loan amount, the interest rate, and the loan term then click the orange Calculate button to start comparing your options.

      I also suggest that you seek help from a mortgage broker since you’re looking for providers that offer the cheapest rate.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    ZhufeiJuly 28, 2017

    My friend has a Smart Friend Referral Code. How can I claim $150 Refund back from my settlement fee? Can I give the code right before I settle?

      Default Gravatar
      LiezlAugust 1, 2017

      Hi Zhufie,

      Thanks for your question.

      To get a $150 refund off your settlement fee, you have to call and quote the code when you make an online application. Kindly note that you must be a new customer of to avail of this refund.


    Default Gravatar
    DavidApril 11, 2017

    Dear Sir.
    Do you do Reverse Mortgages on houses in D. Victoria?

      Avatarfinder Customer Care
      DeeApril 12, 2017Staff

      Hi David,

      Thanks for your question.

      Unfortunately, does not have a reverse mortgage feature.

      Thankfully, you can always check and compare the reverse mortgages featured on our website.


    Default Gravatar
    PerryJune 27, 2014

    Do you do Business Loans

      Avatarfinder Customer Care
      MarcJune 30, 2014Staff

      Hi Perry,

      Thanks for the question.

      At this current time, only offers home loans, car loans, and insurance. You can compare business loans including small business loans, invoice financing, lines of credit, and business car loans. You can select the “Go to Site” button of your preferred lender to proceed with your application. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this helps,

    Default Gravatar
    JasminMay 19, 2014

    Do you have a staff who can speak Mandarin? If yes, please give me a ring. Thanks.

      Avatarfinder Customer Care
      MarcMay 20, 2014Staff

      Hi Jasmin,
      thanks for the question. do have staff members who speak Mandarin, so please contact them directly to speak with a representative.


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