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 (up to 80% LVR)
  • 4.08%
    comparison rate p.a.*

Super savings

A dream home loan offset variable 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. 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. Best of all, you can access your money 24/7.

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, at a time that works best for you.

More for you

Our home loans give you more for less, and with greater flexibility. There are a host of top loan features designed to help you pay off your home quickly and easily. 100% Offset with no extra fees Unlimited additional repayments


• Choose weekly, fortnightly, or monthly repayments

• 100% Offset with no fees. 

• Unlimited additional repayments


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 home lender of the year 2015

Mozo Experts Choice Award 2015

Home Lender of the Year 2015

best overall loans first hone buyers award13

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

Offset - Owner Occupier 
A fully-featured, low rate home loan with an everyday offset and no ongoing fees.
Offset - Investor
A fully-featured, low rate home loan with an everyday offset and no ongoing fees.
Variable rate p.a.
4.06% (up to 80% LVR)

4.12% (up to 90% LVR)
4.31% (up to 80% LVR)

4.37% (up to 90% LVR)
Comparison rate p.a.*
4.08% (up to 80% LVR)

4.14% (up to 90% LVR)
4.33% (up to 80% LVR)

4.39% (up to 90% LVR)
Package your loans and save

Package your owner occupied and investment home loans and secure the lowest rate for both.

Fees & costs

Monthly fee


Annual fee


Application fee


Settlement 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 

What 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, $6 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 provides $150 off the standard conveyancing fees for a purchase or sale transaction. Terms & conditions apply.