Low interest rates

The same fair rates for new and existing customers, plus we don’t charge fees.

Nano variable rates

2.24
%
p.a.
Variable + Comparison Rate 
2.74
%
p.a.
Variable Rate
2.42
%
p.a.
Comparison Rate
Why is our comparison rate lower 
Principal +
Interest
Interest
Only
2.54
%
p.a.
Variable + Comparison Rate 
2.84
%
p.a.
Variable Rate
2.65
%
p.a.
Comparison Rate
Why is our comparison rate lower 
Principal +
Interest
Interest
Only

No loyalty tax

You’ll always get our best rate, no need to ask. We reward new and existing customers alike.

No pricing gimmicks

We don’t believe in pricing gimmicks like cashback offers or honeymoon periods. We keep it simple so you know what you get – fee free, sharp rates.

Free features

We offer you one simple account at no extra cost. Fee free 100% offset sub account, mobile app, Visa card^, BPAY, Google Pay and Apple Pay.

No fees

Unlike most lenders we don’t charge fees, which could save you thousands over the life of your loan.

  • No application fees
  • No valuation fees
  • No settlement fees
  • No monthly fees
  • No annual fees
  • No offset sub account fees
  • No transaction fees
  • No Visa debit card fees in Australia or overseas
  • No early pay out fee
  • No exit or discharge fee

When Refinancing

  • Government charges will apply
  • Your other lender may charge an exit fee

When Buying

  • Government charges like stamp duty which vary by state
  • Solicitor / Conveyancer fees

^ The Nano Card is issued by Hay Limited ABN 34 629 037 403 (Australian Financial Services Licence 515459). See terms and conditions.

Make a smart money move