Smart Home Loan

Rates from


% p.a

3 Year Fixed Rate
Principal & interest, LVR 90% or less.
Minimum $30,000 loan amount applies.

Comparison Rate*


% p.a

*See comparison rate warning

Choose from a range of options with great rates and features.

A home loan with low ongoing fees, competitive rates and packed with smart features. The Smart Home Loan will help you achieve your goals of owning your home or investment property the smart way.

Establishment Fee Low Ongoing Fees

Experience very low ongoing fees with a Smart Home Loan

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Offset Account Available Offset Account Available

Offset the balance of your mortgage and save on interest with a linked offset account

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Low minimum loan amount Additional Repayments

Available on variable loans. Maximum of $10,000 on fixed loans per annum.

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Free Redraw Facility Free Redraw Facility

Enjoy the flexibility to redraw on your loan, minimum $500 per draw

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Split Loan Available Split Loan Available

Split between fixed and variable interest. Not available for interest only loans

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Flexible Repayments Flexible Repayments

Choose between weekly, fortnightly or monthly repayments

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Rates & feesLeft Heading Text.

Compare our competitive interest rates. See the Key Facts Sheet for this home loan.

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Rates Interest Rates Comparison Rate*
Variable (principal & interest)
$30,000+; LVR 90% or below
7.44% p.a. 7.57% p.a.
Variable (interest only)
$30,000+; LVR 90% or below
7.94% p.a. 8.07% p.a.
1 Year Fixed
$30,000+; LVR 90% or below
6.69% p.a. 7.49% p.a.
2 Year Fixed
$30,000+; LVR 90% or below
6.49% p.a. 7.37% p.a.
3 Year Fixed
$30,000+; LVR 90% or below
6.09% p.a. 7.17% p.a.
4 Year Fixed
$30,000+; LVR 90% or below
6.39% p.a. 7.17% p.a.
5 Year Fixed
$30,000+; LVR 90% or below
6.49% p.a 7.14% p.a.

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Establishment fee $600
Monthly fee $8
Annual fee $0
Redraw fee $0

See the Key Facts Sheet and the Target Market Determination (TMD) Disclosures for full details and to see if this loan suits you.

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Important Information

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. This comparison rate is based on a $150,000 loan over a term of 25 years.

Credit eligibility criteria, terms and conditions, fees and charges apply.

Please refer to the Target Market Determination (TMD) in Disclosures and Home Loan Key Facts Sheet to see if this product suits you.

Loan to Value ratios are calculated based on type and location of eligible security property.

Northern Inland reserves the right to withdraw, extend or vary this offer.