A no frills, low rate home loan with all the basics you need.

Ideal for

First home buyers



Upgraders and downsizers

Loan calculator

Rates & fees

SmartSaver fact sheet

Top features

  • Rates

    Choose between a variable or fixed interest rate.

  • Monthly fee

    There’s no monthly fee on SmartSaver.

  • Repayments

    Choose between Principal and Interest or Interest Only.

    Make extra repayments without penalty:

    • Variable rate - unlimited
    • Fixed rate - up to $20,000 per year.
  • Redraw

    It’s free to redraw online or via phone banking (minimum $1).

Applying for a loan is easy.

You can get the help of an expert mortgage broker. Or apply with us direct.

Either way, we’re here to find the right loan to suit your needs.

What you’ll need to get started:

The amount you’d like to borrow (our borrowing calculator can help)

Your assets, including estimated values

Your liabilities, including credit limits

Your gross income

The approximate value of any property offered as security

Your deposit amount

The equity you have in your home.

Compare our loans

Compare our products side by side to see which one best suits your needs.