Street Smart Variable Home Loan
It’ll get you moving.
Variable Home Loan
- ✓Owner Occupier
- ✓Principal & Interest (P&I) repayments
- ✓Maximum LVR 80%
- ✓Min. loan $500,000, refinance only
- ✓$0 monthly fee and annual fee plus $0 application fee (usually $500)
How to apply
You can apply online, or one of our Mortgage Specialists can call you back at a time that suits you. Applying online is a full application that will take around 10 to 15 minutes. You can save the application at any time and come back to it when you are ready.
Simple
With no monthly, annual or application fees, our standard variable home loan offers simple value.
Flexible
Make extra repayments, access to redraw and pay out early without penalty. Plus a 100% offset account at no extra cost.
Easy
If you’re switching your loan from another lender, we can make it happen easier than ever thanks to our FASTRefi service. We’ll even deal with your current lender for you.
Features and benefits
$0
Monthly fee
No ongoing monthly fees to keep things simple.
$0
Annual fee
No recurring annual fees to remember.
$0
Application fee
Usually $500. Additional valuation and legal fees may apply2.
$0
Redraw fee
Redraw funds in advance via Internet Banking.
100%
Offset account
You can have up to two offset accounts per loan (or split loan) at no extra cost.
30
Years
Spread your repayments over terms up to 30 years.
$500,000
Min loan amount
The minimum loan amount for this refinance special offer.
80%
Maximum LVR
You can borrow up to 80% of the property value.
Calculate your repayments
Use our home loan repayment calculator to estimate your repayments and interest payable across different loan amounts and terms. You can also compare loans using the Home Loan Key Facts Sheet at the bottom of this page.
Find out more
Less paper, less hassle
We’ve made providing your bank statements in your application simpler, with less paperwork. Our secure Bank Statements service lets you quickly provide the transaction history for the account your income is paid into.
Find out more
How an offset works
A quick overview of exactly how an offset account works so you can take advantage of one.
Read more
Buying a property?
No one likes surprises. Here’s our top tips on what to ask the agent before buying a home.
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Access your equity
Did you know that unlocking your equity can improve your lifestyle and your wealth?
Read moreCredit eligibility criteria, terms & conditions, fees & charges apply.
1Offer Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. Offer commences 03/09/26 and is for eligible applications submitted by 2/10/26 and funded by 31/12/26 and can be withdrawn or changed at any time. Offer is available on Street Smart Variable home loans for new refinanced owner occupier principal and interest loans, with a minimum balance of $500,000. Maximum loan to valuation ratio (LVR) of 80%. Acceptable purposes are residential property refinance; purchase and construction loans are excluded from the offer. 2$0 application fee includes one standard valuation and legal fees for one security property, and up to 2 split loans under Street Smart Variable. Valuation for non-standard and additional securities will be charged at cost and could incur additional legal fees. Government charges apply. Your interest rate is a variable interest rate and may change prior to funding and during the term of the loan. Government charges or exit costs may be incurred when refinancing from your existing lender.
*The comparison rate is calculated on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is 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.