All our rates, side by side

Get all the numbers in one hit.

Live-in Principal and Interest (P&I)

RateComparison rateComparison rate with offset Roll-to rate
Variable 1.89%1.90%2.04%-
1 year fixed 1.84%1.90%2.03%1.89%
2 year fixed1.99%1.92%2.06%1.89%
3 year fixed2.34% 2.01% 2.15%1.89%
4 year fixed2.79%2.19%2.32%1.89%
5 year fixed 3.09%2.37% 2.50%1.89%

Live-in Interest Only (IO)

RateComparison rateComparison rate with offset Roll-to rate
Variable 1 year IO2.70%2.84%2.96%2.84%
Variable 2 year IO2.70%2.83%2.95%2.84%
Variable 3 year IO2.70%2.82%2.93%2.84%
Variable 4 year IO2.70%2.81%2.92%2.84%
Variable 5 year IO2.70%2.80%2.91%2.84%
1 year fixed 2.72%2.84%2.96%2.84%
2 year fixed 2.77%2.84%2.96%2.84%
3 year fixed 2.82%2.84%2.96%2.84%
4 year fixed 2.92%2.87%2.99%2.84%
5 year fixed3.02%2.92%3.03%2.84%

Investment Principal and Interest (P&I)

RateComparison rateComparison rate with offset Roll-to rate
Variable2.19%2.20%2.34%-
1 year fixed 2.14%2.79%2.92%2.84%
2 year fixed 2.19%2.74%2.87%2.84%
3 year fixed2.35%2.73%2.86%2.84%
4 year fixed 2.89%2.87%2.99%2.84%
5 year fixed 2.99%2.91%3.04%2.84%

Investment Interest Only (IO)

RateComparison rateComparison rate with offset Roll-to rate
Variable 1 year IO2.65%2.83%2.96%2.84%
Variable 2 year IO2.65%2.82%2.94%2.84%
Variable 3 year IO2.65%2.80%2.92%2.84%
Variable 4 year IO2.65%2.79%2.91%2.84%
Variable 5 year IO2.65%2.78%2.89%2.84%
1 year fixed 2.82%2.85%2.97%2.84%
2 year fixed 2.87%2.85%2.98%2.84%
3 year fixed 2.92%2.87%2.99%2.84%
4 year fixed 3.02%2.90%3.02%2.84%
5 year fixed 3.12%2.95%3.07%2.84%

Our rate history

See how our rates have moved, from day dot to now.

Our fees. What fees?

We use tech to automate the traditional home loan process, so we can pass on the savings to you.

Industry standardTic:Toc
Application feeUp to $850$0
Monthly feeUp to $50$0
Annual feeUp to $500$0
Offset account fee$10 to $30 or built into the interest rate$10 / month (optional)
Online redraw feeUp to $25 per redraw$0
Valuation fee Up to $800$0
Settlement feeUp to $200$0
Solicitor/Conveyancer costsUp to $200Approx. $60 - $200.

Exit / discharge feeUp to $1000$325
Government refinance costs

These vary by state, but include title registration, discharge of mortgage, and title search fees.

Around $260 - $440
Government buying costs

These vary by state, but include stamp duty, title and mortgage registration, and title search fees.

Dependent on your property value and which state you're in, but can be thousands.

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Legal things about our rates, no tricks

No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 12 November 2021; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.