Offset refinance

Refinance with a fully-featured, low rate loan.
Rates from:

  • 3.67%
    variable rate p.a.*
  • 3.69%
    comparison rate p.a.*

With a rate this low and an offset redraw facility, you know it’s a smart switch

Pay off your loan sooner and with less interest by combining a low rate with an unlimited offset redraw facility. Whenever you put money into your offset redraw facility, that money is 100% “offset” against your home loan meaning you save a lot on interest over the life of your loan.

There are no application fees and no monthly or annual fees. Plus you have flexible repayment options and a Visa debit card for purchases and cash withdrawals worldwide. 

Now that's a home loan packed full of smart features.

Online doesn't mean impersonal, lets talk!

Brodie has been with for over 4 years. As an experienced Lending Manager, Brodie can answer all your questions and help you start saving sooner.

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

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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
  • Up to 90% LVR available
  • Split loan facility – up to five free splits with fixed rate or identical variable loan product ^
  • Unlimited additional repayments on variable rate loans
  • 24/7 unlimited access to your account online and by phone
  • Weekly, fortnightly and monthly repayment options

Compare the savings!

See how we compare to the big banks. You could be saving thousands of dollars in interest repayments.

We have consistently low rates and no ongoing fees, which means more savings for you!

compare the savings

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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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.

By keeping our interest rates low and revolutionising the loan application process, is taking competition up to the big four banks and challenging the status quo of the home loan industry in Australia.

Features, rates & fees brochure

Get all the information you need on different loan features, rates & fees in this easy-to-read loans guide.

From streamlined packages to fully-featured loans, you will find the low-rate home loan to suit your lifestyle.

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