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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
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Get started now and pre-qualify


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! 

Home Loan Refinance: Everything You Need To Know

There are plenty of factors to consider and things you need to know before you switch to a new home loan or to a new lender.


What is a Redraw Offset Facility?

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.


Pros and Cons of Home Renovation

Making a list of pros and cons can be a good starting point to help you decide if a house renovation is right for you.


Meet some of the team

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

Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 246 reviews. As rated by our settled customers)


Happy how simple it was

The Team were great to deal with. They treated me like a partner and I really enjoyed the experience. Regardless of which team I spoke to - Sales or Customer Care - they quickly and efficiently picked up from each other. I really felt valued through the whole process. The website was easy to use, straight forward, hassle free, logical and simple.

- Stephen D. Shell Cove, NSW , May 29 2018

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

User friendly online process

Actually enjoyed the online process, was made very simple and user friendly. Had fantastic staff to deal with.

- Angela H. Kyabram, VIC , May 21 2018

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, 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.


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13 10 90
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7am - 7pm, Monday to Friday. AEST
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