Smart Mortgage links customer's savings accounts with mortgage accounts. The more you save in the designated savings account, the more interest you can earn on your deposits, helping you to offset the interest payments on your mortgage.

With reduced interest payments, a higher portion of the regular installment goes towards paying the principal. By doing this, Smart Mortgage customers pay off the mortgage more rapidly and own their homes sooner. 

By splitting your monthly installment into two and paying once every two weeks, your mortgage principal could be paid off even earlier, helping you save more on interests and achieve your dream of home ownership faster.

Let us show you how much you could save with our mortgage through our simulation tool. We will help you understand how to integrate your cash flows in our offset savings account and easily enjoy the most benefits from Smart Mortgage.

Features & benefits

  • A designated savings account to offset interest
  • Biweekly payment plan to save more
  • Competitive interest rates and APR

Apply for a Smart mortgage

Apply by phone

Call us on (02) 8072 3996 to apply for a personal loan or leave your contact details and we will be in touch.

Apply in branch

Find your nearest branch to apply in person.

Frequently asked questions