Loan Options

Smartline Select – the home loan that lets you choose

Buying a home can be a complex process, so we’ve made sure our home loan options aren’t. With a Smartline Select home loan, you can choose from a fixed or variable interest rate option or a combination of both.

We also have a range of different loan features that have been custom built to deliver a great experience for you. Your Smartline Adviser can take you through these to determine which options best suit your needs.


Variable Rate

With a variable rate you get competitive rates and all the essential features, plus you can make extra payments electronically at no cost and redraw1 those extra repayments when it suits you.

At a glance:

  • Competitive
    • Variable interest rate offers you greater flexibility
  • Flexible
    • Principal and Interest or Interest Only repayment options2 to fit your financial plans
    • Monthly, fortnightly or weekly repayment frequency options to suit your cash flow3
    • Loan terms up to 30 years for a repayment period that’s right for you
    • Redraw1 available by multiple methods, including a Debit Card to access funds via ATMs and EFTPOS
    • Split your loan up to four times
    • Additional repayments electronically at no cost, so you can repay your mortgage sooner
  • Extras
    • Flexible repayment options – weekly, fortnightly or monthly3
    • 24 hour4 access to funds through Debit Card, ATM and EFTPOS
    • Available to you whether you’re buying land, building or both

Fixed Rate

Our fixed rate gives you the certainty of knowing exactly how much your repayments will be. You can choose your fixed rate term from 1 to 5 years, depending on the period that suits your needs.

At a glance:

  • Competitive
    • Fixed interest rate offers you greater peace of mind
  • Flexible
    • Certainty of knowing what your repayments are during the fixed rate term
    • Choice of 1 to 5 year fixed rate terms to fit your plans
    • Principal and Interest or Interest Only repayment options2 to suit your situation
    • Lock Rate option for added rate protection prior to settlement
    • Flexible repayment options – weekly, fortnightly or monthly3
    • Split your loan up to 4 times


1. Subject to loan terms.
2. Interest only term up to 10 years where the loan is for investment purposes, and up to 5 years where the loan is for personal use or LVR >85%.
3. Weekly or fortnightly repayments are available after you make your first monthly repayment. For interest only loans, only the monthly repayment option is available.
4. Subject to system availability.

Smartline Select™ products are funded by the Advantedge Residential Loan program. AFSH Nominees Pty Ltd (AFSH) ACN 143 937 437 Australian Credit Licence 391192 is the program lender and Advantedge Financial Services Pty Ltd (Advantedge) ACN 130 012 930 Australian Credit Licence 391202 is the program loan servicer. The program is funded under arrangements with National Australia Bank Limited (NAB). Each of AFSH and Advantedge are members of the NAB Group. NAB does not guarantee the obligations of its subsidiaries.
Smartline Select™ is distributed by Smartline Home Loans Pty Ltd ABN 38 085 370 270 Credit Representative 381913 of Smartline Operations Pty Ltd ABN 86 086 467 727 Australian Credit Licence Number 385325.