OneTwo Home Loans | Key Facts About This Home Loan

This Key Facts Sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009


Australian Credit Licence Number: 527230*
Date produced:

THIS IS NOT AN OFFER OF CREDIT. This Key Facts Sheet is provided to help you compare this home loan with the home loans of other lenders.

What you have told us
Loan Amount
Term of the home loan
Interest type
Lender and product name OneTwo Rate Reducing Loan


Description of this home loan
Repayment method Principal and interest
Repayment frequency Monthly (other repayment options are available)
Interest rate
You will receive a discount of .03 percentage points off your current interest rate each time you pay down your loan balance by 5% of the original Loan Amount until your loan balance is reduced by 25% of the original Loan Amount.
Personalised comparison rate:
(interest rate including fees)
Estimated cost of this home loan
Total amount to be paid back (including the loan amount and fees)
This means you will pay back for every $1 borrowed
Establishment fees
Ongoing fees
Repayment per month (including ongoing fees)
Commencing at
These monthly repayments will automatically reduce when you are eligible for the interest rate discount.
Repayment per year (including ongoing fees)
Commencing at
These yearly repayments will automatically reduce when you are eligible for the interest rate discount.

There may be circumstances in which other fees are payable. Fees applicable for the loan you apply for will be shown in the loan contract. You can also obtain a list of fees applicable to this type of loan through our website at

Other loan set-up fees, such as valuation fees and lender's mortgage insurance, and Government charges, such as registration fees and stamp duty on property transfer, have not been included. These will be determined after application.

What happens if interest rates increase?
This is a variable rate loan. If your interest rate was to increase by 1% per annum, your monthly repayment would increase by around .
How can I repay my loan faster?

This loan allows you to make additional repayments to pay off your home loan faster. If you increased your monthly repayments by a month to you would repay the loan in , instead of , based on the current variable interest rate stated in this Key Facts Sheet .

Altering the frequency of repayments may also help repay the loan faster.

How to find the best deal for you
To obtain the best deal for you, it is important to shop around and compare interest rates, fees and features before you apply for a home loan. Choosing the best home loan for you may save you money. For more information about how to get the best deal on your home loan visit the ASIC consumer website at


Which home loan is right for you?

When choosing a home loan, it’s important to work out what you want from your loan and how much it will cost you. Given the wide range of loans on offer—with different interest rates, product features and fees—it pays to shop around to find the loan that fits your needs and circumstances. Some loans offer features that may be appropriate for your situation and result in savings over the life of the loan.

Some features you may wish to consider include:

  • ability to split your loan between fixed and variable interest rates;
  • ability to make extra repayments;
  • an offset account;
  • a redraw facility; and
  • linked credit card and savings accounts.

But compare the costs and benefits of these features before you agree to them.

For more information on choosing the right home loan for you, you may also wish to visit the ASIC consumer website at

Where can I find out more about this loan?

If you want more information on the terms used in this document or about this home loan, please contact us on 1300 696 638, or visit our website at

This Key Facts Sheet is an Australian Government requirement.

The Australian Government requires all lenders selling standard home loans to give you a Key Facts Sheet like this one when you ask for one and provide the necessary information.

Key Facts Sheets contain information presented in the same way to help you compare and select the most appropriate home loan for you. You should request Key Facts Sheets when shopping around for a home loan to help you find the home loan that is right for you.

This Key Facts Sheet is not an offer of credit. The lender is not obliged to provide you with the home loan described in this Key Facts Sheet. You will need to apply for the loan and meet our lending criteria before we can determine whether you are eligible for this loan.

You should also be aware:

  • the interest rates and fees and charges are those that apply as at the date of production of this Key Facts Sheet.
  • the amount required to be paid does not include fees which are dependent on events that may not occur (for example, late payment fees if you do not make repayments on time).
  • the amount of the repayments shown in this Key Facts Sheet will change if interest rates, fees and charges change and if a different loan type, loan term or loan amount is used.

What is the personalised comparison rate?

The personalised comparison rate helps you understand what the total cost of your home loan might be, taking into account known fees and charges that will apply (other than government fees, charges or duties) by building those costs into the interest rate. It also helps you understand the impact of fixed or introductory rates of interest on the total amount of interest you could pay over the life of the loan.

* OneTwo Finance Pty Ltd ABN 20 637 329 321 Australian Credit Licence 527230 who manages OneTwo loans on behalf of the credit provider, OneTwo Fund 1 Pty Ltd ACN 646 334 983 as trustee for the OneTwo Fund 1 Bare Trust ABN 16 855 753 665