Say goodbye to credit card interest

The ZIP Home Loan is a super-low-rate home loan that comes with an interest-free $5,000 limit Visa Debit Card.

Now you can throw away your credit cards and enjoy the same convenience on your purchases without paying interest!

For refinancers and home buyers

Whether you are refinancing to save money or buying a new home, you will receive the same 0% ZIP Visa Debit Card and the same low home loan rate.

If you are looking to save money on interest and fees with a low rate home loan while also avoiding expensive credit cards, this is the loan for you.

How it works

It is simple.

When you settle your home loan, you will be issued with your Visa Debit Card with a $5000 limit that will operate like a line of credit.

You can use the card any way you want whether it is for a big purchase, for day-to-day spending like a credit card, or just to keep in the drawer as an emergency fund.

The outstanding balance on the card will never be charged interest, and the card has no ongoing fees. That means no monthly fee, no annual fee and no application fee!

Top reasons to choose the ZIP home loan

$5,000 limit Visa Debit Card with 0% interest

No monthly or ongoing fees

Unlimited additional repayments

Other features include...

  • 80% LVR
  • Principal and Interest Only
  • Unlimited free redraws
  • Weekly, fortnightly and monthly repayments
  • Firstmac Money app
  • Schedule recurring transfers & Direct debit arrangement
  • Pay your bills with BPAY

Savings with ZIP Visa Debit Card


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Interest paid per month

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Interest saved in 12 months


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Interest paid per month

Upfront Fees & Costs

~ Rates as at 19 November 2020 for the ZIP Home Loan. ZIP Home Loan available for owner occupied loans, up to 80% LVR with P&I repayments only. ZIP Home Loan Visa Debit Card has maximum limit of $5,000 and cannot be used as part of loan settlement. ZIP Visa Debit Card facility may be cancelled and/or converted to a term loan in certain scenarios, for example when the home loan balance drops below $150,000. Terms and conditions apply. The comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, available for new loans only and subject to change without notice.

*Discharge fees are waived if loan goes to full term.

#Government & third party fees payable at settlement.