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 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.

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.