Smart Options

A smart, super low rate home loan.


  • 3.86%
    variable rate p.a.*
  • 3.86%
    comparison rate p.a.*

It’s smart. Save money on your home loan today.

Looking for a super low rate home loan that will save you money on your interest?
Buying a new home or looking to reduce your monthly repayments by refinancing?

Our Smart Options basic home loan will deliver what you need, whatever your plans may be.

Easy on your hip pocket.
Smart, easy to understand home loan features.

Redraw facility.
Get your cash out when you need it – at no extra charge.

24/7 access.
Secure online, tablet and mobile access to your accounts.

No fees
Competitive rates and no annual fee, to help you save.

Extra repayments.
The ability to make extra repayments to pay down your loan.

Flexible loan types.
P&I or Interest Only options are available.

Talk to a real person.
A dedicated mortgage broker and Customer Care team to make managing your loan easy.

Don’t pay for services you don’t need.
Straightforward, essential home loan option with basic features.

Flexible repayment options.
Weekly, fortnightly and monthly repayment options.

And real support to help you save.

Check out all the detail in our rate info sheet.

Get all the information you need on our different loan features, rates & fees in this easy-to-read loans guide.

Rates correct as at 08/06/17
*Comparison Rate Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years. Your full financial situation will need to be reviewed prior to acceptance of any offer or product.