Key features of our Express Home Loan

Fast online approval

Your application and assessment will be conducted online

Flexible repayment options

Choose from Principal & Interest or Interest Only terms and access additional repayments using online redraw

Offset facility

Make your money work smarter. An offset account reduces the interest you pay on your eligible1 home loan


Am I eligible for an Express Home Loan?

  1. I have a minimum deposit of 20% of the property’s value, plus additional funds to cover government charges and stamp duty.

  2. I am buying or refinancing a property within a capital city or major regional centre.

  3. I am an Australian citizen or permanent resident, and I am 18 years or older.

  4. I have a valid ID and relevant documents on hand.

  5. This loan is not for business or commercial purposes.

  6. I am a sole or joint borrower and there is nobody going guarantor on this loan.

What do I need handy to apply?

  • The address of the home you wish to purchase or refinance.
  • A valid email address and mobile phone number.
  • One of the following: Australian drivers’ licence; Australian passport; Foreign passport with an Australian Visa; or Medicare Card.
  • Your bank details if you wish to upload your financial documents digitally.
  • If you choose to upload your financial documents manually, you will need copies of your bank statements, including any credit card, personal or home loan, and/or deposit statements.
  • You will also need copies of your current payslips, and have a good idea of your daily living expenses, e.g. what you spend on groceries, clothing, fuel, utilities, and entertaining as you will need to enter this information during the application process.


What type of home loan?

Live-in fixed
principal and interest

You’re living in your home and paying principal and interest with a fixed rate.

2 year fixed interest rate

3.89% p.a.

Comparison rate1

4.11% p.a.


Investment variable
principal and interest

You’re paying principal and interest on your investment property with a variable rate.

Variable interest rate

4.44% p.a.

Comparison rate1

4.73% p.a.


Investment variable
interest only

You’re paying interest only on your investment property with a variable rate.

Variable interest rate

4.94% p.a.

Comparison rate1

4.91% p.a.


My Settlement

Let's talk about our Express Home Loan

Talk to us

1300 289 796
8am to 6:30pm
9am to 5pm

Write to us

PO Box 3187
Rundle Mall
SA 5000, Australia

Email us

I want an
Express Home Loan

I already started a
Loan Application


Additional information

Terms, conditions, fees and charges apply. All information including interest rate is subject to change without notice. Full details available on application. Lending criteria apply.

1. Important information about comparison rates: The comparison rates displayed are calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.