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Rates and fees last updated on 100% online, award-winning, Australian-owned brand offering competitive home loans is an online brand that aims to offer competitive loans that are designed to help make life easier. Their mission is to become the leading online lender in the Australian financial space.

The organisation doesn't have any branches or overheads, so they can pass the savings on to you when it comes to your loan. Their customer care call centre is based out of Brisbane, Queensland, and they receive funding from Firstmac, an Australian mortgage lender with more than 35 years of experience and $8 billion in mortgages.

Other products and services offered by include car loans.

Variable Rate Home Loan Offer Essentials - Variable (Owner Occupier, P&I)

3.64 % p.a.

variable rate

3.66 % p.a.

comparison rate

Variable Rate Home Loan Offer

Apply for a Essentials Home Loan and get a low variable interest rate, plus no application fee and no additional repayment fee.

  • Interest rate of 3.64% p.a.
  • Comparison rate of 3.66% p.a.
  • Application fee of $0
  • Maximum LVR: 80%
  • Minimum borrowing: $50,000
  • Max borrowing: $1,000,000
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Comparison of home loans

Rates last updated July 29th, 2017
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info Offset Variable - 80% to 90% LVR (Owner Occupier P&I)
A home loan with no ongoing fees. This loan is available for refinances and purchases.
4.04% 4.06% $0 $0 p.a. 90% Go to site More info Offset Variable - Up to 80% LVR (Owner Occupier P&I)
Take advantage of a 100% offset account along with no annual or application fees.
3.72% 3.74% $0 $0 p.a. 80% Go to site More info Fixed - 1 Year Fixed (Owner Occupier)
Lock in a short interest loan term with a low interest rate.
3.89% 3.75% $0 $0 p.a. 80% More info Fixed - 2 Year Fixed (Owner Occupier)
Another low interest rate offer from No application fee to pay.
3.99% 3.78% $0 $0 p.a. 90% More info Fixed - 3 Year Fixed (Owner Occupier)
A low rate 3 year loan with no ongoing fees or application fee from an award winning lender.
4.19% 3.84% $0 $0 p.a. 90% More info Construction - Variable (Owner Occupier)
Turn your dream home into a reality with a low interest rate home loan, plus no application and service fee.
4.41% 3.82% $0 $0 p.a. 90% More info
Rates last updated July 29th, 2017
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Essentials - Variable (Investor, P&I) offer a low interest variable home loan with no application fee.
3.99% 4.01% $0 $0 p.a. 80% Go to site More info Essentials - Smart Loan Package P&I
Package your home loan with your investment loan to get the same rate for both. Offer ends 31st July.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info Essentials - Smart Loan IO
A competitive interest only rate if you package your investment loan and owner occupier loan together.
3.99% 4.01% $0 $0 p.a. 80% More info Essentials - Variable (Investor, IO) offer a low interest variable home loan with no application fee.
4.19% 4.21% $0 $0 p.a. 80% More info Offset Variable - 80% to 90% LVR (Investor P&I)
A full featured home loan with a 100% redraw offset facility, plus a low interest rate with no application fee. This loan is available for investors.
4.39% 4.41% $0 $0 p.a. 90% More info Fixed - 2 Year Fixed (Investor)
Fix in a 2 year rate and choose to split the loan if you wish for your investment.
4.19% 4.11% $0 $0 p.a. 90% More info
4.07% 4.09% $0 $0 p.a. 80% More info Fixed - 3 Year Fixed (Investor)
Investment loan that locks in a fixed rate for three years.
4.39% 4.16% $0 $0 p.a. 90% More info Fixed - 1 Year Fixed (Investor)
Lock in a short term interest rate for your investment property.
4.09% 4.09% $0 $0 p.a. 90% More info Construction - Variable (Investor)
A dedicated home loan rate to help build your new investment property.
4.61% 4.16% $0 $0 p.a. 90% More info

What types of home loans are offered by


The Essentials Home Loan is a no-frills home loan that carries a competitive rate, and still has features like a redraw facility and extra repayment options.

More about Essentials Home Loan

Offset variable

This loan has a competitive interest rate, allows you to borrow up to 90% of your property's value and carries no application fee, no monthly fees and no ongoing fees. An offset account is available with this home loan, along with unlimited free redraws with no minimum redraw amount. With online access, you can also check on your home loan 24/7. You'll also get a linked Visa Debit Card with your offset account to access to your funds.

More about Offset Variable

Fixed rate - 1, 2 or 3 years

If you prefer the certainty of a fixed rate, you may want to consider this loan instead. You have the opportunity to lock in your interest rate for a period of up to 60 days after application. After the fixed term, the loan will revert to the standard variable home loan. You can choose to fix again if you wish. You can choose between weekly, fortnightly or monthly repayments, and there is a five year interest-only option available. This loan has up to five free splits as well as a portability feature.
More about Fixed Home Loan

Construction loan - variable rate

If you're planning to build a new property or renovate your existing one, this loan could be suitable. It is designed for borrowers who have bought land and are looking to start building, or borrowers who are looking at making extensive renovations. Before you apply for this loan, you need to have finalised the purchase of your land, chosen a licensed contractor, have building plans and a copy of the building contract. The contract will need to be a fixed price contract, so the cost of each stage has already been determined.

More about Construction Loan

How do I apply for a loan from

If you would like to apply for a home loan from, please click 'go to site' to be safely redirected to the enquiry page. You'll need to enter some information about your home loans needs, and a mortgage consultant will get in touch with you. Once you've filled in your online application, can generally give you preliminary approval within 48 hours. After your loan has received its final approval, loan contracts will be sent to you for you to sign. This could include a discharge document from your current lender if you are refinancing.

What information would I need to provide?

  • How much you'd like to borrow, the property value, the loan purpose, number of borrowers
  • Information about your income: Annual salary before tax, any other income streams
  • Information about your expenses: Your existing repayments, other loans, your current credit card limits

Yes, home loans come with split rate options, with the Dream Home Loan allowing up to five free splits. This allows you to make the most of both fixed and variable rates.

Find out what your repayments will be in a few seconds

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This page was last modified on 15 May 2017 at 10:32am.

NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I)

A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.

Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed LVR ≤85% ($150K+ Owner Occupier)

Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.

IMB Budget Home Loan - LVR <=90% (Owner Occupier)

Get a competitive rate without features you may not use.

HSBC Home Value Loan - Resident Owner Occupier only

Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.

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10 Responses

  1. Default Gravatar
    April 11, 2017

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

    • Staff
      AnndyApril 12, 2017Staff

      Hi David,

      Thanks for your question.

      Unfortunately, does not have a reverse mortgage feature.

      You can check this page to compare home loans with reverse mortgage feature.


  2. Default Gravatar
    PerryJune 27, 2014

    Do you do Business Loans

    • Staff
      MarcJune 30, 2014Staff

      Hi Perry,
      thanks for the question.

      At this current time, only offers home loans, car loans and insurance. You can read more about business loans and credit cards here.

      I hope this helps,

  3. Default Gravatar
    JasminMay 19, 2014

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

    • Staff
      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.


  4. Default Gravatar
    ShaneMay 10, 2014

    Does have any products that allow parents to go Guarantor for there kids.

    • Staff
      MarcMay 12, 2014Staff

      Hi Shane,
      thanks for the question.

      Unfortunately don’t offer any guarantor options at the present time. You can compare other loans with guarantor options on this page.

      I hope this helps,

  5. Default Gravatar
    russellJanuary 3, 2014

    Why haven’t you included CUA as a choice for mortgages as wanted to know how their products stack up against the rest?

    • Staff
      MarcJanuary 6, 2014Staff

      Hello Russell,
      thanks for the question.

      Unfortunately we’re not able to include every loan provider in our comparison. If you’d like help comparing a specific product of theirs with another I’m happy to help.


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