One Two Home Loans

The new variable Rate Reducing Home Loan

Switch now to a home loan where your interest rate reduces automatically, as you pay off your loan
  • Up to 0.15% off your rate as you pay off your loan
  • Up to $2,500 in bonus payments
  • $0 fees#

$7,500 in bonuses

$5,000 cashback +
up to $2,500 bonus payment

Available until August 31st '22

T&Cs apply


Variable rate
Comparison rate
Owner occupier
(principal and interest)

Rate discounts

For every 5% you pay down, we will drop 0.03% off your interest rate, to a maximum of 0.15%.

Bonus payments

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

No fees

We play fair. No ongoing account keeping fees, application or exit fees.#

Apply in minutes

Apply online via video call with our home loan specialists in minutes.

How much could you save by switching?

Your current loan details


% p.a.


Looks like you could save

With OneTwo over the life of your loan

Your current loan

Home Loan


Not a fan of graphs?

Let us explain.


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.

Bonus payments

We’ll match any additional loan payments you make in the first 6 months, up to $2,500 in total. We will then calculate your eligibility and credit your loan account within 90 days. 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 or inner regional NSW, VIC, SA or QLD

  • 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 Group is an Australian owned fintech, building market leading technology to transform the home loan industry. 1835i is the external innovation and venture capital partner of ANZ Bank.