Make it happen

To submit an Effective Rate home loan enquiry simply click here and we will be in touch with you to show you how you can save both time and money.

We have a number of Effective Rate loan options available including lo doc and loans for people with credit problems.

Learn more

COMPARE: Click here to compare another loan with an Effective Rate Home Loan

INVESTORS: Click here learn how you can grow your wealth by converting your loans to Effective Rate Home Loans
Does your lender reward you for being a good borrower?

In an Australian 1st, you may now qualify for a 4.75% pa* 30 Year Effective Rate™ home loan, the best value 30 year home loan in Australia. This is not a honeymoon rate OR a limited offer.

When you have an Effective Rate Home Loan your mortgage manager will reward you by paying a rebate onto your mortgage every month you pay your mortgage on time.

The compounding effect of this is dramatic, not only can you save tens of thousands of dollars but you can also take years off your mortgage. Effectively your mortgage manager is making extra payments for you.

Click here to compare any full featured loan with an Effective Rate Home Loan

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LOOKING FOR THE LOWEST MONTHLY REPAYMENTS?

It is important to understand that if you need a home loan with the lowest possible monthly repayments then an Effective Rate Home Loan may not be for you.

The one thing you can be sure of is that if you don't have an Effective Rate Home Loan you will be pay more interest and your loan term will remain 30 years.
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5.44% pa Standard Variable Rate - 5.62% pa Standard Variable Comparison Rate
4.75% pa 30 year Effective Rate - 4.93% pa Effective Rate Comparison Rate