Offset variable

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

  • 4.06%
    variable rate p.a #
  • 4.08%
    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, 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 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.

Package and save

Package your owner-occupied loan with your investment loan and get our low rates for both.

Ask your lending manager about our package rates. An interest rate loading of 0.25% applies to investment only loans.


More Info

Click below to find out more

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   Compare our home loans

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   Application guide


Our awards

Mozo Experts Choice Award 2015

Home Lender of the Year 2015

Best of the Best 2014 and 2015

Money magazine's Cheapest Home Loan – non bank


Offset variable home loan features

  • Your offset 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. 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 and support officer who are your points of contact for the whole process. Your lending manager and support officer 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 billion in mortgages under management and $150 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.

Apply online

*Rates as at 10 August 2015 for dream home loan offset variable. 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.
**$150 voucher for Slater & Gordon Conveyancing Works only. Voucher provides $150 off the standard conveyancing fees for a purchase or sale transaction. Terms & conditions apply.
#Available on owner-occupied loans and packaged investment loans with a maximum LVR of 80%.