A home loan you can control.

A new home loan that helps you save money, with a variable rate

Every 5% of the original loan amount you pay down, your current interest rate reduces by 0.03 percentage points (pp) (max. reduction 0.15 pp)

Rate-Reducing Loan

1. 9 8 9 6 3 0 7 4

Variable rate


Comparison rate

Owner Occupier (principal and interest). Investor offers soon

Become a Founding Member

Be the first to sign up and help shape the future

OneTwo our payments

Extra payment match

OneTwo will match your extra loan payments made in first 6 months dollar-for-dollar, up to $2,500

OneTwo rate match

Rate match

All customers (new and existing) get the same great rate

OneTwo has no fees

No ongoing fees #

No application, account keeping or exit fees

Notify me

What a response!

We’re thrilled to have so many people interested in our Founding Member beta. We want to give everyone the best experience – and to learn from our first group of customers – so we’ve paused taking new applications (for now).

Sign up to our waitlist and we’ll let you know when we’re back open.