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A 100% online, award-winning, Australian-owned brand offering competitive home loans.

Read an overview of home loans on this page. Skip ahead to the full table of products or read more about home loans below.

Compare home loans

Compare home loans below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.

Data indicated here is updated regularly
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description Smart Home Loan - (Owner Occupier, P&I)
$0 p.a.
Get a low variable interest rate and pay 0 application or ongoing fees with this convenient online lender. Smart Home Loan - (Investor, P&I)
$0 p.a.
A competitive variable investor rate for borrowers with 20% deposits. Low fees, redraw facilities and repayment flexibility. Offset Variable - 80% to 90% LVR (Owner Occupier, P&I)
$0 p.a.
A home loan with no ongoing fees. This loan is available for refinances and purchases.

Compare up to 4 providers lender profile

  • is an Australian-owned online lender based in Brisbane and is underwritten by Firstmac, one of the largest financial services organisations in Australia.
  • is a full member of the Mortgage & Finance Association of Australia (MFAA).
  • has a 'strong' rating (the best possible) from Standard & Poor's for their loan serviceability abilities. mortgage features has a range of mortgage products, whether you're looking to invest or buy home and want a fixed or variable rate.

Deposit sizeYou can borrow up to 90% with some of owner occupier home loans.
Offset accountThe Offset Variable Home Loan comes with a 100% offset account.
Redraw facilitySome of's products offer free redraw facility, for example Essentials Home Loans come with a redraw facility. Explore the home loans comparison table to see which loans offer this feature.

How do I apply for an mortgage?

You can learn more about a specific mortgage by clicking through to each product review page on the comparison table. Clicking ''Go to Site'' take you through to's website and start your mortgage application process.


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

  • Age. You must be over 18 years of age.
  • 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:

  • 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).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 2.59% p.a. and a 2.59% p.a. comparison rate.

Logo for HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)
HSBC Home Value Loan - Promotional Offer (Owner Occupier P&I)

Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online.

Logo for ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)
ME Flexible Home Loan Fixed with Members Package - 2 Year Fixed Rate LVR <= 80% (Owner Occupier, P&I)

Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR<=90% Incl. LMI (Owner Occupier, P&I)

Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000. Refinance to an eligible Suncorp loan and get a cashback of $2,000 or $3,000, depending on your loan amount. Other conditions apply.

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14 Responses

  1. 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 orange Calculate button to start comparing your options. Please click on the green Go to site button to be redirected to their official page and learn more on their home loan rates and offers. Their minimum loan requirement is at least $50,000. If you are still looking around, you may check out this page to compare your refinance home loan options. 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!


  2. 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.


  3. 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.

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


  4. 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 read more about business loans and credit cards here.

      I hope this helps,

  5. 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.


  6. Default Gravatar
    ShaneMay 10, 2014

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

    • Avatarfinder Customer Care
      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,

  7. 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?

    • Avatarfinder Customer Care
      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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