Offset variable

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

  • 3.79%
    variable rate p.a.*
  • 3.81%
    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. 

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.

Convenience and efficiency

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.

Offset 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 five years interest only option available
  • Free $150 conveyancing voucher**
  • Up to 90% LVR available
  • 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

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

Fast track your application

If you're ready to move fast on your home loan, we can get you there with our speedy, hassle-free online application process.

Get your loan from approval to settlement quickly with onTrack, giving you control over your application, 24 hours a day, 7 days a week.

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Online doesn't mean impersonal, lets talk!

David has been with for over 5 years. As an experienced Lending Manager, David can answer all your questions and help you start saving sooner.

Speak to one of our friendly and experienced Lending Managers, like David, to find the right low rate loan package for you.

arrange a call

Receive a free property report

To help you find the perfect home, we’d like to give you a free Comparative Market Analysis (CMA) property report. Our reports provide a breakdown of information about the property you are considering, including previous sale prices. It also offers valuable information about the area, such as median house prices, recent sales figures, and the local community demographics.

Receive my free report

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

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.

Driving industry change and operating wholly online means always has competitive rates, so you can be confident you are always ahead of the game.

Although we are a digital company, online doesn’t mean impersonal. You will be assigned a personal team of two, your Lending Manager and Service Manager, to help you throughout your application process. You will get to know your team well as they guide you towards your loan settlement day. This direct relationship is one of our key focuses.

Fees & costs

Our 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

Get in touch with us today

Speak to one of our friendly and experienced Lending Managers to find the right low rate loan package for you. Arrange a convenient time for us to call or start an application online.

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