Home Loans

Home Loans made simple

I want to refinance

I want to purchase

Your Loan Options

Variable-rate loan

Maximum flexibility, unlimited extra repayments and redraw.

Fixed-rate loan

Lock in 1-5 years for budget certainty.

Split loan

Hedge your bets with part fixed, part variable.

Offset account

Every dollar in offset slashes daily interest and shortens the term.

Low-deposit (95% LVR)

Ideal for first-home buyers; pair with guarantor or Government Home Guarantee to reduce or avoid LMI.

Interest-only investment

Maximise cash flow and tax efficiency while your property grows.

I want to refinance

I want to purchase

Eligibility Snapshot

Australian citizen, permanent resident, or long-term visa holder
Deposit of at least 5 % (LMI applies above 80 % LVR)
Verifiable income — six months’ PAYG history or two full self-employed tax returns; rental income counted for investors
Standard residential security (house, townhouse or mainstream unit) and a clear credit file

I want to refinance

I want to purchase

Required Documents

Government photo ID (driver licence plus passport or birth certificate)
Income evidence — latest payslips or personal & company tax returns / BAS; rental statements or lease if claiming rent
Three-month bank statement showing deposit or equity funds
Current statements for mortgages, credit cards and personal loans
Signed Contract of Sale (purchases) or recent mortgage statement + council rates (refinance/equity release)

I want to refinance

I want to purchase