Experience the pinnacle of home financing with our bespoke lending options and market-leading competitive rates.
Lock in your interest rate for 2, 5, or 10 years for ultimate peace of mind and precision budgeting.
Benefit from market fluctuations with rates that track the central bank base rate with ceiling protections.
Lower deposit requirements and dedicated advisory support to help you scale the property ladder.
Move the sliders to see what a mortgage would actually cost you each month, and what it adds up to over the full term. This is an illustration, not a quotation.
Estimated monthly repayment
$1,875.42
Illustration only. Your rate depends on loan-to-value, term and affordability assessment.
Start your application Check the lending criteriaFigures exclude arrangement fees, valuation costs, buildings insurance and any property taxes. Interest is calculated monthly on the reducing balance. A quotation showing the total amount repayable and all fees is issued with any formal offer.
Build your rental portfolio with competitive rates and flexible terms designed for landlords.
Refinance your existing mortgage to access better rates and unlock equity for your goals.
Stage-release funding for your dream build project with expert guidance every step of the way.
Start the application online, verify your identity, and fund the account. Most straightforward applications are completed the same working day.
Read the full answerWe're here to guide you through every financial milestone.
Each range has its own criteria and maximum loan-to-value. Every figure below is indicative — your formal offer states the rate, the total repayable and every fee.
| Range | Best for | Max LTV | From | |
|---|---|---|---|---|
| Fixed rate | Certainty on the monthly payment | 90% | 3.89% | Details |
| Variable rate | Flexibility and no early repayment charge | 90% | 3.69% | Details |
| First-time buyer | A smaller deposit and more support | 95% | 4.09% | Details |
| Remortgage | Leaving a reversion rate or releasing equity | 85% | 3.84% | Details |
| Investment property | Buy-to-let assessed on rental coverage | 75% | 4.74% | Details |
| Self-build | Staged release against certified progress | 70% | 5.19% | Details |
Straight from our Help Centre, so the answer here is the same one our support team works from.
Decision in principle, full application, valuation, formal offer, legal completion. Typically three to six weeks once the application is complete.
Read answer Loans, Mortgages & CreditChoose the product, complete the online application, upload your supporting documents, and track the decision from your dashboard.
Read answer Loans, Mortgages & CreditProof of identity and address, proof of income, and recent bank statements. Secured lending also needs documents for the asset.
Read answer Loans, Mortgages & CreditPersonal loans are usually decided within one to three working days. Mortgages and secured facilities take longer because of valuation and legal work.
Read answer Loans, Mortgages & CreditRepayments are collected automatically on the agreed date. Overpayments and early settlement are allowed — request a settlement figure first.
Read answer Loans, Mortgages & CreditSign in and open Applications. Each entry shows its current stage, anything outstanding from you, and the full history.
Read answerReady to build your dream home?
Start your applicationOur dedicated lending teams and specialists are available around the clock to ensure your path to home ownership is seamless.
Open in minutes
Most personal applications are decided the same working day.
Speak to a specialist
Real people, not a phone tree. Card and fraud lines run 24/7.
Protected by design
Two-factor authentication and continuous fraud monitoring as standard.
