Say hello to’s new home loan with its lowest rate yet!

If you’ve been on the hunt for a new home loan with a competitively low interest rate, today may be your day after online lender dropped a new home loan product - the Smart Home Loan 75. 

The loan comes with a fresh variable rate of 2.78% (2.80% comparison rate*), but borrowers must have a maximum LVR of 75%. While saving a 25% deposit may seem like a big ask, this loan isn’t only suited for only future borrowers with a big savings stash. It could also be a great option for someone looking to refinance an existing loan. 

So if you’re carrying the baggage of an older, less competitive, interest rate on your current mortgage - it may be worth considering jumping ship and taking advantage of lower home loan rates on the market.’s Managing Director, Marie Mortimer says that Aussies that save up a deposit of 25% for a home, ultimately deserve to pay less on their mortgage. 

“Pulling together 25% of the value of a home to bring when you buy or refinance is hard work however you do it,” Mortimer said.

“We think borrowers who have done what it takes to start out with 25% of the home’s value up front should get a lower interest rate.”

But if you can’t meet the 75% LVR requirement, don’t fear, still has a low rate home loan option that may suit you - the Smart Home Loan 80. It comes with a low 2.88% variable (2.90% comparison rate*) and you’ll only need an LVR of 80%. 

So get started by introducing yourself to’s home loan products! - Smart Home Loan 75
  • 2.78% (2.80% comparison rate*)
  • No monthly or ongoing fees
  • Unlimited free redraws and extra repayments
Find out more

Meet the Smart Home Loan 75, the newest home loan offered by This loan comes with a competitive 2.78% (2.80% comparison rate*) for borrowers with a deposit of at least 25% (a maximum LVR of 75%). But offer more than just a sexy interest rate. With the Smart Home Loan 75, borrowers have the flexibility to choose weekly, fortnightly or monthly repayments and make unlimited free extra repayment and redraws if they need to. Plus, there is no hassle of an upfront application fee or monthly or ongoing fees over the life of the loan - just bear in mind though, there is a $300 settlement fee. - Smart Home Loan 80
  • 2.88% (2.90% comparison rate*)
  • No application or ongoing fees
  • Borrow with just a 20% deposit
Find out more

If a competitive interest rate and flexible features is what you are after in a home loan, then the Smart Home Loan 80 may tick your boxes! This loan comes with a low 2.88% (2.90% comparison rate*) with the added bonus of no upfront application fee or ongoing service fees. Interested in features? Well, the Smart Home Loan 80 has them. Not only do borrowers have the freedom to choose their own repayment schedule (weekly, fortnightly, monthly) but they can also make extra repayments and redraws at no extra cost. Keep in mind though that if you miss a due date on a regular repayment, you’ll face a $150 late payment fee.

Want to check out what other home loans are out there? Jump over to our home loan comparison table or read up on the latest property news.

* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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