One Two Home Loans

Lose interest in your home loan

We’ve reinvented home loans – with a variable rate loan that rewards you as you pay it off.
It’s as easy as OneTwo
Variable rate
Comparison rate
Owner occupier
(principal and interest)
Features + Benefits

The more you pay off, the more it pays off

Automatic discounts

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

Bonus payments

We'll match any additional loan payments you make in the first 6 months, up to $2,500 in total (paid out within 90 days of you reaching your 6 months milestone).

No fees#

No application, account keeping or exit fees, as we know every dollar counts.

Save money

All these savings have a big impact on your loan, helping you pay it off sooner.

How much could it save you?



% p.a.



Your current loan

Home Loan

You could save over the life of your loan

Finally, a home loan that rewards your loyalty

Automatic discounts

Your discounts kick in automatically as you pay off the loan, so you can set and forget.

No more negotiations

We look after it all, so you can finally lose interest in your home loan.

Rate equality

All customers, new and existing, get the same great rate.

Apply with an easy video chat

A first, true digital face-to-face application experience where our home loan specialist does the heavy lifting for you on the call.



Keen to know the finer details? Let’s dive in ...

A variable rate-reducing home loan

For every 5% of your original loan amount that you pay down, you’ll automatically receive a discount of 0.03% off your interest rate.
  • You’ll continue to receive rate reductions until you pay off 25% of the original loan amount. So overall, you’ll receive 0.15% off your interest rate.

  • Yes, our comparison rate is actually lower than our headline rate, that’s because it’s a rate-reducing variable rate loan with no hidden fees or charges.

Discounts apply for the life of your loan

All variable rate loans go up and down with the market. Discounts will apply to your current rate.

Make additional payments to reduce your rate faster

The best part is, the faster you pay down, the sooner you receive your rate reductions.

Extra payment match

After the first six months of your loan, OneTwo will match your extra repayments, dollar for dollar, up to a total of $2,500. This could help save you thousands over the life of your loan.

No fees

We play fair - we don’t charge any ongoing account keeping fees, application or exit fees. But if you do skip or delay a payment, we may charge you a late fee or a direct debit dishonour. One-off fees and charges may also apply.
Summary of features and benefits
Loan Purpose
  • Refinance
  • Owner occupier
  • Joint or single borrowers
  • Choice of repayment frequency

    fortnightly, monthly

  • Choice of loan term

    Between 1 to 30 years

  • Direct debit repayments
  • Fee free extra repayments
  • Principal & interest repayments
  • Variable interest rate
Loan amount
  • Minimum loan $20,000
  • Maximum loan $2,000,000
  • Up to 80% of the property value

    With no LMI

  • Customer service experts located in Australia
  • Immersive face-to-face video calls
  • Email & phone support

Let’s make sure we’re a good fit

  • Refinancing an established residential property in metro VIC, NSW

  • Refinancing the property you live in

  • You are an Australian citizen or permanent resident over the age of 18

  • You would like to borrow up to $2M

  • Your loan-to-value ratio (LVR) is 80% or less

  • Investor loans and redraw facility coming soon
Get in touch

We’re here to help

Monday to Friday 9am - 9pm (AEST)

Our partners and investors

Lendi is a privately owned and operated Australian business offering home loans online. 1835i is the external innovation and venture capital partner of ANZ Bank.