Home loans guide

Reasons to choose us

.au is an award-winning online lender. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory.

We offer personal service from our Australian-based lending specialists so, if you need to settle quickly, we can easily work to your time frames.

We also offer super-low interest rates to save you money with no ongoing fees. Borrowing with .au is quick, simple and personal, so you can purchase or refinance with confidence.

Our application steps Easy as 1, 2, 3

.au makes borrowing simple. Go from application to settlement in three easy steps. Here's how to lock in a super-low-rate home loan, super-fast.

1

2

3

Apply

Apply online or on the phone with one of our

Australian-based lending specialists.

onTrack to Approved

It is easy for you to track your application to approval, receive your loan documents and set up online services with our award-winning onTrack app.

Settle and Save

We do everything required for the loan settlement,so you can

start saving money.

Home loans

Product guide

Phone: 13 10 90 | sales@.au | .au

*Rates as at 9 April 2021. LVR based on assessment at settlement. The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates for fixed interest only loans are based on an initial interest only period equal in length to the fixed period. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice. Different interest rates apply to product rollovers and internal refinances.

? 2021 copyright of .au Pty Ltd ACN 082 587 095 Australian Credit Licence 395219

Our onTrack app

Track your loan application on-the-go with onTrack mobile. The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone.

It's now even easier to get your loan approved and settled fast, no matter where you are.

Phone: 13 10 90 | sales@.au | .au

Owner occupier

Features & rates

Product name

Fixed term

Smart Booster Home Loan~

-

Smart Booster Home Loan~

-

Smart Home Loan*

-

most popular

ZIP Home Loan Fixed Fixed

-

1 year 2 year

Fixed

3 year

Features

? Discount variable for 1 year

? No ongoing fees

? Unlimited redraw facility

? Discount offer - Terms & Conditions

? Discount variable for 2 year

? No ongoing fees

? Unlimited redraw facility

? Discount offer - Terms & Conditions

Interest rate p.a.

(Principal & interest)

Comparison rate p.a.*

1.99%

2.47%

2.09%

2.71%

? A streamlined home loan

? A super low variable rate

? No ongoing fees

? Discount Offer - P&I 80 Terms & Conditions

? Discount offer - IO 80 Terms & Conditions

? Discount Offer - P&I 90 Terms & Conditions

? $5,000 Visa Debit Card

? Redraw facility

? No ongoing fees

2.48%

(up to 80%)

2.79%

(up to 90%)

2.73%

2.50% 2.81% 2.75%

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

2.88%

2.89%

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

2.29%

(up to 80%)

2.88%

(up to 90%)

1.99%

(up to 80%)

2.88%

(up to 90%)

2.81% 2.89% 2.70% 2.89%

Interest rate p.a.

(Interest only)

-

Comparison rate p.a.*

-

LVR

up to 80%

-

-

up to 80%

2.79%

(up to 80%)

2.81%

up to 90%

-

-

up to 80%

3.28%

(up to 80%)

2.79%

(up to 80%)

2.92%

up to 90%

2.88%

up to 90%

3.28%

(up to 80%)

2.98%

up to 90%

Max loan amount

$1M $1M

$2M

$2M

$1M $1M

$1M

Linked redraw offset facility (+0.10% p.a)^

Visa Debit

Redraw available Available to Split

Additional

repayments

Up to $10,000 extra repayment

per year

Up to $10,000 extra repayment

per year

Up to $10,000 extra repayment

per year

Fees

Product name

Smart Booster Home Loan, Smart Home Loan,

ZIP Home Loan

, Fixed 1 2 & 3 year

Application fee

$0 $0

Monthly Fee $0 $0

Annual Fee

$0 $0

Settlement Fee

$300 $300

Optional rate lock fee

Valuation Fee

-

$220 or at cost

Discharge fee#

$300

Discharge documentation fee# Government fees

$250

at cost

$350

$220 or at cost

$300

$250

at cost

~Rates as at 9 April 2021 for Smart Booster Home Loan up to 80% LVR owner-occupied security with P&I repayments. LVR based on assessment at settlement. See important terms and conditions for Smart Booster Discount Variable for 1 year here and Smart Booster Discount Variable for 2 year here. The comparison rate is based on a $150,000 loan over 25 years.

*Rates as at 9 April 2021 for Smart Home Loan up to 90% LVR owner-occupied security. LVR based on assessment at settlement. See important terms and conditions for Smart Home Loan 80 P&I here Smart Home Loan 80 I/O here and Smart Home Loan 90 P&I here. The comparison rate is based on a $150,000 loan over 25 years.

^The addition of redraw offset facility means your comparison rate will change.

#Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice. Discharge & discharge documentation fees are waived if loan goes to full term.

Phone: 13 10 90 | sales@.au | .au

Investor

Features & rates

Product name

Fixed term

Smart Booster Investor

-

Bundle+

Smart Investor^^

-

Fixed investor

1 year

Features

Interest rate p.a.

(Principal & interest)

Comparison rate p.a.*

? Discount variable for 1 year

? No ongoing fees

? Unlimited redraw facility

? Discount offer - P&I Terms & Conditions

? Discount offer - IOTerms & Conditions

? A streamlined home loan

? A super low variable rate

? No ongoing fees

? Discount Offer - P&I 80 Terms & Conditions

? Discount Offer - IO 80 Terms & Conditions

? Discount Offer - P&I 90 Terms & Conditions

? Discount Offer - IO 90 Terms & Conditions

1.99%

2.74%

(up to 80%)

2.99%

(up to 90%)

2.71%

2.76% 3.01%

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

3.08%

3.02%

Fixed investor Fixed investor

2 year

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

3 year

? Up to 5 free splits in fixed or variable

? 60 day rate lock option available

? Flexible repayment options

2.69%

(up to 80%)

3.08%

(up to 90%)

3.08%

2.97% 3.03% 3.03%

Interest rate p.a.

(Interest only)

1.99%

Comparison rate p.a.*

2.71%

2.99%

(up to 80%)

3.19%

(up to 90%)

3.48%

(up to 80%)

3.01% 3.21%

3.05%

2.99%

(up to 80%)

3.01%

3.48%

(up to 80%)

3.12%

LVR

up to 80% up to 90%

up to 90% up to 90%

up to 90%

Max loan amount

$1M

Linked redraw offset facility (+0.10% p.a)^

$2M

$1M $1M

$1M

Visa Debit

Redraw available Available to Split

Additional

repayments

Up to $10,000

extra repayment per year

Up to $10,000

extra repayment per year

Up to $10,000

extra repayment per year

Fees

Product name

Smart Booster Investor Bundle, Smart Investor Fixed Investor 1, 2 & 3 year

Application fee

$0 $0

Monthly Fee

$0 $0

Annual Fee

$0 $0

Settlement Fee

$300 $300

Optional rate lock fee

-

Valuation Fee

$220 or at cost

Discharge fee# $300

Discharge documentation fee# Government fees

$250

at cost

$350

$220 or at cost

$300

$250

at cost

+Rates as at 9 April 2021 for Smart Booster Investor Bundle up to 80% LVR investment security. LVR based on assessment at settlement. See important terms and conditions for Smart Booster Investor Bundle P&I for 1 year here and Smart Booster Investor Bundle I/O for 1 year here. The comparison rate is based on a $150,000 loan over 25 years.

^^Rates as at 9 April 2021 for Smart Investor Home Loan up to 90% LVR investment security. LVR based on assessment at settlement. See important terms and conditions for Smart Investor Home Loan 80 P&I here Smart Investor Home Loan 80 I/O here and Smart Investor Home Loan 90 P&I here Smart Investor Home Loan 90 I/O here. The comparison

rate is based on a $150,000 loan over 25 years.

^The addition of redraw offset facility means your comparison rate will change.

#Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice. Discharge &

discharge documentation fees are waived if loan goes to full term.

Phone: 13 10 90 | sales@.au | .au

Construction

Features & rates

Discharge documentation fee Features

Max LVR Interest rate p.a. Post construction rate p.a. Comparison rate p.a.* Max loan amount

Offset facility Visa Debit

Interest Only Available Redraw Available Available to Split

Additional Repayments

Fees

Application fee Monthly fee Annual fee

Settlement fee Valuation fee Discharge fee

Discharge documentation fee Government Fees

Construction admin fee Progress inspections fee

Construction owner occupier

Construction investor

-

-

? Interest only during construction

? 5 progress claims and progress

valuations

? Only pay interest on the amount

drawn down

? Interest only during construction

? 5 progress claims and progress

valuations

? Only pay interest on the amount

drawn down

80%

3.47% 2.87% 2.96%

$1M

90%

3.67% 2.99% 3.09%

80%

3.57% 2.99% 3.08%

$1M

90%

3.77% 3.29% 3.37%

After completion

After completion

After completion

After completion

Interest only during construction Interest only during construction

After completion

After completion

After completion

After completion

After completion

After completion

$0 $0 $0 $300 $220 or at cost $300 $250 at cost $120 $110 per stage (or at cost)

$0 $0 $0 $300 $220 or at cost $300 $250 at cost $120 $110 per stage (or at cost)

Phone: 13 10 90 | sales@.au | .au

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