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A brand new kind of home loan

A home loan where your interest rate reduces automatically, as you pay off your loan.


Rate discounts

Get automatic rate discounts up to 0.15% as you pay off your loan.

Bonus payments

We match any additional loan payments in the first 6 months, up to $2,500 in total.

No fees

We play fair. No application, account keeping or exit fees, as we know every dollar counts.#

Apply in minutes

Apply online via video call with our Home Loan Specialists in minutes.


Not a fan of graphs?

Let us explain.

Fast digital home loans

We’ve streamlined the usual home loan process to create a quick and simple application experience.

Video application

We’re here to help make it quick and easy to apply. We guide you and present your financial information to you, all from the comfort of your home.

Approval outcome

We process your documents in real time. No forms, no fuss. We’ll keep you informed if we need to gather extra information, and will let you know where you stand.

Loan offer

Your digital loan offer includes everything you need to know. Sign it online from your home device, no paperwork required.


We manage the refinancing change over from your existing lender and support you to set up your new OneTwo home loan.

Our People

We love what we do. We’re curious, we challenge the norms and we learn from each other every day.

About us

Got a question? Here’s a few answers to common queries


Join the team at one of Australia’s most exciting start-ups.


Rate Reducing Home Loan

Switch now to a home loan that rewards you.

Switching is easy as OneTwo

Get in touch

We’re here to help

Monday to Friday 9am - 5pm (AEST)