Rate Reducing Home Loan

Finally, a home loan that rewards you

Switching is easy as one two

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Rate discounts

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

Bonus payments

We match extra 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.

Switching is easy

We’re here to help refinance your home loan

Refinancing is easy, apply within minutes

Switching is quick and easy with our online video application call, all from the comfort of your couch. Our Home Loan Specialists are there to help you every step of the way to get your home loan refinanced.

First, let’s make sure we’re a good fit

If you’re a PAYG employee based in metro in inner regional Victoria, New South Wales, South Australia or Queensland, then we would love to get in touch. We’re regularly expanding our criteria so if we are not right for you just now, we may be soon.
Coming soon: ACT, NT, TAS, WA

Investor loans coming soon

How does it work?

The more you pay off, the more it pays off

A home loan that rewards you

Automatic rate discounts, giving you the control. For every 5% you pay down, we’ll drop 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.

The rate is variable so it can move up and down with the market, but the discounts you’ve earned will apply for the life of your loan.

We'll match your extra repayments dollar for dollar

We want to help you get your loan off your back. We’ll match any additional loan payments you make in the first 6 months, up to $2,500 in total.

This extra effort at the very start of your home loan journey can have a significant impact to the amount of interest you pay in the long term.

No fees, because we know every dollar counts.

We want to support you to pay down your loan as quickly as you can, without the burden of extra fees along the way.

We don’t charge any ongoing or account keeping fees. We don’t charge application or exist fees. And we don’t charge property valuation fees.

We also have fee free extra repayments, so you can pay down more at any time without being penalised.

So we’re transparent, if you do skip or delay a payment, we may charge you a late fee or a direct debit dishonour fee.

Rate Reducing Home Loan

Switch now to a home loan that rewards you.

Switching is easy as one two

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

We’re here to help

Monday to Friday 9am - 5pm (AEST)