Offset
Rates from:
  • {{bannerData.InterestRate}} % Var rate p.a.*
  • {{bannerData.ComparisonRate}} % Comp rate p.a.*

Pay off your home loan faster and with less interest

 
  • A 100% redraw offset facility with linked Visa debit card
  • Unlimited free redraws with no minimum redraw amount
  • No monthly or ongoing fees

Loan amount

$
Monthly repayments#
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Get started now and pre-qualify

$

Smart Loan Package

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

Rates from

3.89%

variable rate p.a.* (80% LVR)

3.91%

Comparison rate p.a.*

$1,884.38

minimum monthly repayments

This calculation is based on a $400,000 loan over 30 years and includes principle & interest. This may not be your actual repayment.

  • Great low rate on investment loans when you package with your owner-occupied loan
  • Unlimited additional repayments
  • No monthly or ongoing fees

It’s smart to save even more with an offset.

A home loan with a 100% offset can help you to pay off your loan faster and with less interest.

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

So if you had a home loan of $350,000 and $5,000 in your offset, 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 offset, 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 offset. In this way your money is immediately put to work for you, saving interest! 

Purchase with Confidence

Designed for you to make your home loan journey quick, simple, and reliable.

Meet some of the team

Our friendly, Australian based, Lending and Customer Care experts will ensure you have a quick and hassle-free experience.

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How Often Should You Refinance Your Home Loan?

You need to think carefully if it makes financial sense to replace your old home loan or not. Here are some things to consider before you decide to refinance your home loan.

VIEW ARTICLE

Securing Investment Home Loans at Low Rates

If you plan to invest in a property, you will probably need an investment home loan to finance your acquisition.

VIEW ARTICLE

Choosing the Right Tenant for Your Rental Property

Tenant screening is one of the most important things you need to do when managing your own rental property. Here are some tips on how you can pick the right tenant for your rental property.

VIEW ARTICLE

Customer reviews

(Based on 241 reviews. As rated by our settled customers)

  • 4.9
  • Value for money Customer service

READ MORE REVIEWS

customer review image

Louise T. Morningside, QLD

Smooth application

March 29 2018

Staff were wonderful from start to finish. Everything went smoothly. Thanks for your great customer service.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

customer review image

Thomas U. Glenelg North, SA

Helpful loan specialists

March 15 2018

All loans.com.au loan specialists were very helpful all the way through to settlement. Thank you!

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

A smarter way to get from loan application to settlement

At loans.com.au, we believe applying for a home loan should be a speedy and hassle free process. OnTrack allows you to quickly get your loan through to approval and settlement while we do the heavy lifting for you behind the scenes.

 

LEARN MORE

Calculators

Borrowing power

Find out how much you can borrow based on your income and expenses.

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Loan repayments

Shows how your mortgage repayments will vary depending upon the size, interest rate and duration of your loan.

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Stamp duty costs

Works out how much stamp duty you'll have to pay depending on the property’s value and location. 

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