Offset home loans

A fully-featured low-rate home loan with redraw offset facility.

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Discount Offer - Terms & Conditions

It’s smart to save even more with an offset

Our Offset home loan with a 100% redraw offset facility can help you to pay off your loan faster and with less interest.

Whenever you put money into your redraw offset facility that money is 100% “offset” against your home loan.

So if you had a home loan of $350,000 and $5,000 in your redraw offset facility, you only pay interest on $345,000.

Monthly repayments

Your monthly repayment won’t change, but you will pay off more on your home loan each month, so you will pay off your loan faster and with less total interest.

Online, ATM and VISA debit access

You have full access to your money in the redraw offset facility, with a free VISA debit card, ATMs and online.

Make your money work smarter for you

You can maximise the "offset effect" by arranging for your salary to be paid into your redraw offset facility. In this way your money is immediately put to work for you, saving interest!

Top reasons to choose Offset

  • 100% redraw offset facility
  • Free VISA debit card
  • Unlimited free redraws

Other features include

  • Interest only option available
  • No monthly or ongoing fees
  • Unlimited additional repayments
  • Access your funds using EFTPOS or ATMs
  • Weekly, fortnightly and monthly repayments
  • Multiple loan splits available^
  • Smart Money app
  • Pay your bills with BPAY
  • Direct debit arrangement
  • Schedule recurring transfers
Download our brochure to learn more.

Purchase with Confidence 

When you are buying a home, it's important to know that you are on track to completing your purchase on time.
That's why we are proud to offer the best service in Australia when it comes to home loans. This gives our customers the confidence they need to make an offer on their dream property.

Meet some of the team

Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.
They do this all day every day. It’s what they love! Getting you the finance you need, when you need it, is our bread and butter.

Call us on
13 10 90
Request A Call
7am - 7pm, Monday to Friday. AEST