- Min 30% deposit
- No monthly or ongoing fees, add 0.10% for offset
- Unlimited redraws
- Min 30% deposit
- No monthly or ongoing fees, add 0.10% for offset
- Unlimited redraws
- A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
- A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- Easy, digital application process
- Market leading app to help you pay off your loan sooner
- No on-going fees
- Easy, digital application process
- Market leading app to help you pay off your loan sooner
- No on-going fees
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- *New customers borrowing at least $250,000 can get between $3,000 and $4,000 in cashback. Terms and conditions apply.
- Low rate home loan with added benefits, add offset for 0.10%
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply
- Low rate home loan with added benefits, add offset for 0.10%
- Save thousands & make an environmentally conscious choice on your loan for homes less than 12 months old
- Get a 7.0 star NatHERS rating or higher for up to 1.59% discount on your variable rate home loan T&Cs apply
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Get ahead with up to $4000 cashback*
- Unlimited additional repayments
- Easy online application, find out if you're approved quick!
- *When you purchase or refinance an eligible home loan. Apply by 30/11/22. Settle by 31/01/23. Exclusions and T&Cs Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
- Rate Match Guarantee. Tic:Toc will match the rate on identical variable P&I home loans. T&C's Apply.
Does my mortgage payment change if I make a lump sum?
When you make a lump-sum payment on your mortgage, your lender usually applies it to your principal. In other words, your mortgage balance will go down, but your payment amount and due dates won't change.
Is it better to put lump sum on mortgage or extra monthly?
Save on interest
Since your interest is calculated on your remaining loan balance, making additional principal payments every month will significantly reduce your interest payments over the life of the loan.
How does Amortization work with extra payments?
Even a single extra payment made each year can reduce the amount of interest and shorten the amortization, as long as the payment goes toward the principal and not the interest (make sure your lender processes the payment this way).