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Rate Smasher Home Loan

This is the ideal solution for people who want a straightforward loan facility. It's a home loan, plain and simple, without any of the bells and whistles. Yellow Brick Road's Rate Smasher home loan does exactly what it says, it smashes the rates offered by big banks.

You can own your home sooner with unlimited additional repayments permitted on variable rate accounts. Redraw is also available on all variable rate accounts.There are no ongoing monthly or annual account management fees with the Rate Smasher home loan.

Phone and internet banking provides you with convenient access to your loan 24 hours a day. Put simply, it's a a no-frills home loan with a market-leading variable rate. Find out more.

Rate Smasher Home Loan

Home Loan
Interest rates from
3.64% p.a. borrower rate
3.64% p.a.* comparison rate

Key Features

Competitive rate

3.64% p.a. comparison rate* for the Rate Smasher Home Loan.

Flexible payment options

Own your home sooner with unlimited additional repayments on variable rate accounts.

Local team, local access

One go-to person who understands your circumstances and needs.

No account fees

There are no on-going monthly or annual account management fees with the Rate Smasher Home Loan.

What rate am I eligible for?

Interest Rates from:

% p.a. for Principal & Interest home loans
(% p.a. comparison rate^)
% p.a. for interest only home loans
(% p.a. comparison rate^)

What our clients experienced

Anthony, thank you so much for assisting us in buying our first home. You were fantastic! You really understood the stressful challenges we faced and always went above and beyond, which is something we have never experienced with our bank. You found a great loan for my wife and I, and your property reports proved quite valuable. We are so happy with the service and relationship.
Edwar Ibrahim, Maroubra
I am writing to thank you for all the help with managing my mortgages and finances. You made it so easy for me to get a better rate and stay with the same bank, which I didn't think was possible. Thanks again for all the time you put into assisting me.
Tricia Benjamin, Holland Park

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* Comparison rate is based on Rate Smasher standard variable rate for $150,000 loan over a term of 25 years for a secured loan with monthly principal and interest repayments. Comparison rates are based on the variable rate home loans comparable by major banks. Rates are correct as at 20/07/18 for Yellow Brick Road and may be subject to change. Effective dates are 03/11/17 for ANZ, 11/08/17 for Commonwealth Bank, 27/03/18 for NAB and 04/12/17 for Westpac. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Owner-occupied purpose only, purchase or refinance only, no debt consolidation. PAYG applications minimum employment term 12 months. Self-employed minimum 2 years. Rate Smasher loan amounts from $100,000 - $750,000, maximum loan-to-value ratio of 70%, additional credit criteria apply. Not available in conjunction with any other offer.

For fixed rate and comparison rate quoted please refer to the Comparison Rate Schedule.

All lending rates quoted on this website are for new owner-occupied applications only (unless otherwise stated). Existing customers should always refer to their loan contract or internet banking / customer service for their current rates, terms and conditions.

The above rates are subject to change. Fees and charges are payable. Terms and conditions are available from your local branch.

Yellow Brick Road Finance Pty Limited ACN 128 708 109, Australian Credit Licence 393195. Yellow Brick Road Wealth Management Pty Limited ACN 128 650 037, AFSL 323825.