Offset variable

A fully-featured, low rate home loan with an everyday
offset and no ongoing fees.

Rates from:

  • 3.89%
    variable rate p.a *
  • 3.91%
    comparison rate p.a.*

Super savings

An offset variable home loan from gives you more ways to save than just a low interest rate. With a 100% offset redraw facility, you can save on the interest you pay on the balance of your loan. But the savings don’t stop there. There is also no application fee, no monthly or annual fees and unlimited free redraw plus you can choose between weekly, fortnightly, and monthly repayments. Now that's a home loan jam packed full of features.

Learn more about saving with an offset account.

Easy access

A low interest rate is just a small part of our variable home loan. You also have greater access to your money through our 100% offset redraw facility that offers unlimited free redraws with no minimum withdrawal.

Get online at any time or from anywhere to manage loan transactions, statements, redraws, and bill payments. You’ll also have a Visa debit card for purchases and cash withdrawals worldwide, covered by the safeguards of Visa’s own security network. It’s the most efficient way to manage your money, wherever you are.

Our awards

In 2016, has received 5 star ratings for our variable rate home loans from Canstar. We also were named the 2015 Home Lender of the year in Mozo's Expert Choice Award plus many others, including Money Magazine's Cheapest Home Loan - Non-bank two years in a row.

See all our awards 


Offset variable home loan features

  • Your offset redraw facility has no monthly fees, no setup costs, no minimum withdrawal or redraw fees and unlimited access to your funds.

  • Visa debit card

  • Unlimited free redraws with no minimum redraw amount

  • Up to 5 years interest only option available

  • Free $150 conveyancing voucher**

  • Split loan facility – up to five free splits with fixed or variable split options

  • Available for purchase and refinance

  • Unlimited additional repayments on variable rate loans

  • 24/7 unlimited access to your account online and by phone

  • Weekly, fortnightly and monthly repayment options

  • Available on owner-occupied and investment properties. Ask your lending manager about our package rates.

Fees & costs

Monthly fee


Annual fee


Application fee


Settlement fee


Discharge fee
Discharge documentation fee



Government and third party costs


Valuation fee (may be higher in some cases)

$220 or at cost

Government fees and charges

at cost has been Home Lender of the Year 2015 in the Mozo Expert Choice Awards.  
Find out more about our awards 

Who is is an Australian owned, multi award-winning online lender. We have earned our track record with low interest rates and flexible finance products. Since 2011 has been able to meet the needs of tens of thousands of customers around Australia; people just like you. We continue to innovate to stay ahead of the competition and give our customers the best of what new technology can bring to money management.

Find out more about us

A personal lending manager

When you apply online with us you’re assigned your own personal lending manager who is your point of contact for the whole process. Your lending manager will be with you all the way through to settlement. It makes it easier for you, and for us, as you don’t have to tell your story to someone new each time you call. is part of the Firstmac Group, one of Australia’s top non-bank lenders, with 35 years’ experience, $7.5 billion in mortgages under management and $230 million in cash investments. 

100% online means you save doesn’t have a branch network to maintain or mobile bankers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.

By keeping our interest rates low and revolutionising the loan application process, is taking competition up to the big four banks and challenging the status quo of the home loan industry in Australia.