Our Home Loan and Mortgage Products

We are determined to provide Australians with simple home loan products that don’t require weeks of research to understand and compare. The simplifying of our products also means you don’t need a broker or adviser to wade through all of the alternatives and compare to get the best product and rate to suit your needs.

You will find in the products below that we only include the features you want such as the ability to make early repayments, free redraw and easy access to your account information. We won’t ever complicate the process.

Click here to compare our Standard Variable Rate product with other mortgage providers.

 

Standard Products

 

Equity Saver & Options Plus Products

Loan Details QuickDirect Standard Variable Home Loan QuickDirect Standard Fixed Home Loan QuickDirect Construction Home Loan QuickDirect Options Plus Home Loan Equity Saver Premium Home Loan Equity Saver Premium Interest Only Home Loan
Interest Rate 6.15%
6.75%pa: 1 yr
7.30%pa: 2 yrs
7.65%pa: 3 yrs
7.90%pa: 4 yrs
8.00%pa: 5 yrs
6.15% 6.46% 6.14% 6.14%
Comparison Rate* 6.15%
5.99%pa: 1 yr
6.19%pa: 2 yrs
6.41%pa: 3 yrs
6.65%pa: 4 yrs
6.85%pa: 5 yrs
6.15% 6.46% 6.14% 6.14%
No application, valuation or settlement fee
$295 final valuation fee
No ongoing monthly fees
% deposit / equity required 10% for purchases
15% (Equity) for refinances
10% for purchases
15% (Equity) for refinances
10% 10% (no genuine savings may be required) 20% (max LVR 80%) 20% (max LVR 80%)
Can I make additional repayments?
Is free redraw available?
After fixed rate period expires After construction period
Does it have an offset account? No No No
Loan term 10 to 30
years
10 to 30
years
10 to 30
years
10 to 30
years
10 to 30
years
10 to 30
years
Can I fix this loan?
No No No
Is interest only available? Up to 5 years Up to 5 years During construction period Up to 10 years Yes via a Variation Up to 10 years
Can I choose how often I make repayments (i.e. fortnightly / monthly)?
Can I Direct Salary Credit?
Yes into
offset
account
Yes into
offset
account
Yes into
offset
account
Internet / Phone banking / BPay
Can I split my loan

Click here for QuickDirect's detailed comparison rate schedule for Standard Products.

Click here for QuickDirect's detailed comparison rate schedule for Options Plus Products.

Click here for QuickDirect's detailed comparison rate schedule for Equity Saver Products.

* This comparison rate is for a loan of $150,000 over 25 years. This comparison rate applies only to the 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 may influence the cost of the loan. For full details of our fees, click on the appropriate link for Standard Product Fees or Equity Saver & Options Plus Fees.

Rates advertised on the site are valid for all new applications only.