Loan features
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FAQs
Find answers to your most pressing questions about our home loan services.
Can I choose a fixed interest rate?
At this stage, we are unable to offer fixed interest rate loans. We hope to be able to expand our offering in the future.
Can I have an offset account with you?
At this stage, we are unable to provide you with an offset account for your loan. In the future, we hope to be able to expand our offering to include this. For now, we have a redraw facility and you can make unlimited prepayments at no extra cost. For more information on our benefits/features, click here.
Can I apply for an interest only loan?
At this stage, we are unable to offer Interest Only loans. We hope to be able to expand our offering in the future.
How are you able to offer such low interest rates? What’s the catch?
The short answer: We’ve focused on helping borrowers who don’t have a “full” 20% deposit. By building a suite of products designed specifically for our borrowers, we’ve been able to make our loans cheaper and more accessible.
There’s no catch.
We’re a mission driven business and our mission is to improve access to homeownership for young Australian families. We’ve done this by creating products we’d use and encourage our friends and family to use. Our loans are simple and we don’t take any equity in your home or have any equity-based incentives.
We’ve worked *very* hard to provide the lowest-cost loans possible and will work even harder to make things even more affordable for you – Australia’s next generation – as we build.What are your interest rates?
Visit our Rates & Fees page to see our current interest rates.
Do you have redraw?
Yes. You will have access to a redraw facility through your primary loan. See our Loan Features page for more information.