Top banking deals that could save you thousands

When it comes to low rate home loans, loans.com.au doesn’t disappoint, and that’s certainly the case with the Smart Home Loan which has one of the hottest variable rates around at 2.88% (2.90% comparison rate*) for new home buyers and refinancers. It doesn’t stop there though, because borrowers won’t be charged an application fee or any ongoing fees with the Smart Home Loan, and they’ll even be able to reduce their interest by making extra repayments towards the loan for free!

This competitive account offers the ability to earn 2.00% bonus interest each month you deposit $20 or more in to the account and make 5 or more eligible Visa debit card transactions from your linked transaction account. With no account fees and a simple online application process that lets you open an account in minutes, the MyState Bank Bonus Saver Account could be a top choice for savers who make regular deposits and want a decent rate without the hassle. 

OurMoneyMarket is all about rewarding Aussies with great financial history, which is why the Low Rate Personal Loan (Fixed, Unsecured) comes with a fixed rate of just 8.00% (8.21% comparison rate^) for borrowers with excellent credit history. Eligible borrowers will be able to grab a loan between $2,000 and $50,000 with simple fixed interest payments that can be made weekly, fortnightly or monthly over a 1-7 year period. And the loan even features a free redraw facility for borrowers that have made extra repayments!

With one of the longest balance transfer rates around at 0% for 26 months (1.5% balance transfer fee), the Citi Platinum - Balance Transfer Offer could be a great option for Aussies looking to get a hold on their existing credit card debt. It doesn’t stop there though, as new cardholders won’t need to worry about forking out an annual fee in the first year ($199 afterwards) and they’ll even be able to make use of complementary insurance benefits while also earning 1 point per $1 (up to $10,000 per month) when they pay using Visa.

If you’re in the market for a new bank account then the Everyday Global Account really is packed with some standout benefits and features for spending at home and abroad including zero monthly fees, overseas ATM fees or foreign exchange commission. For a limited time new account holders will even be able to grab a $100 bonus when they deposit $2,000+ each month for 3 consecutive months into the account within the first 6 months. Plus customers will be able to earn 2% cashback on eligible purchases (up to $50 per month) when tapping and paying with Visa payWave, Google Pay or Apple Pay.

Looking for a competitive place to watch your savings grow? With a maximum interest rate of 2.10%, the USaver with Ultra Transaction Account from UBank has one of the highest rates around for savers. There are no arduous requirements to get that maximum rate as savers will just need to make a $200 deposit each month and they won’t even pay any account fees. UBank even have an innovative ‘Sweep Technology’ tool that helps savers reach their monthly savings targets by sweeping cash into the USaver Account.