Offset
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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

Loan amount

$
Monthly repayments#
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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! 

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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The Benefits of Having 80% LVR

Even though you don’t need a huge deposit to take out a home loan, having a larger deposit has many advantages.

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Does Paying Your Mortgage Fortnightly Save Money?

Monthly repayments is the most common choice but it also results in the highest total interest repayments over time.

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What is a Redraw Offset Facility?

One question we get asked all the time is “what is a redraw offset facility and how can I benefit from using it?”

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Customer reviews

  • 4.9
  • Value for money Customer service

(Based on 243 reviews. As rated by our settled customers)

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Loans.com.au is amazing

Always amazing to speak to and always so helpful. We are telling all our friends about you!

- John K. Camira, QLD , May 08 2018

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

Dealing with a loan specialist was amazing

From start to finish your team was amazing, keeping us informed all the way through and letting us know what documents we needed to provide. Also, dealing with one loan specialist who looked after getting our loan to settlement was great. Thank you.

- Norma C. South Guildford, WA , April 25 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 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.

 

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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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