OneTwo home loans

Founded in 2021, OneTwo is a digital home loan lender with a mission to make home loans as easy as ‘one two’. That’s why they’ve created a custom built lending platform that reimagines and simplifies how home loans are done. Find out more about the home loans on offer with OneTwo below. 

What home loans do OneTwo offer?

Rates and fees verified as correct at 25 January 2022. Other information correct at the time of writing. Advertiser disclosure.

Variable Rate Home Loans

Home loan repayments calculator


Product Rate Comparison Rate Service fee Upfront fee Monthly repayments  

1.99% p.a.

1.89% p.a.



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OneTwo home loan features in a glance

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Competitive interest rates

The variable interest rate on the Rate Reducing Variable Rate Home Loan is quite low. In fact, it’s currently among the lowest in our database for owner occupiers.

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Zero fees

We’ve already mentioned the competitively low rates on offer but borrowers looking to keep their mortgage costs down will enjoy that the Rate Reducing Variable Rate Home Loan doesn’t come with any account, annual, application, exit or ongoing fees.

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Extra free repayments

You can make extra repayments without incurring any penalties. Also, after the first six months of the loan, OneTwo will match your extra repayments up to a total of $2,500!

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Rate discounts and reductions

Like the sound of discounts on your home loan interest rate? Well OneTwo offers just that! For every 5% of your original loan that you pay off, you’ll automatically receive a 0.03% discount on your interest rate. You’ll keep getting these discounts until 25% of your loan is paid off, meaning your interest can be reduced by a total of 0.15% over time.

What do you need to apply for a OneTwo home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

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