Offset Sub-account
Add an offset sub-account to your home loan so you could save on interest.
Variable Bold Home Loan
-
Borrow up to 90% LVR -
Offset sub-account available
-
Principal & Interest (P&I) or Interest-Only (IO) repayments
-
No transaction fees for redraws
-
No monthly or ongoing fees
Why Choose This Loan?
100% offset sub-account
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
Unlimited free redraws
Reduce your loan term, whilst still having access to your savings.
No monthly or ongoing fees
Access our competitive rates with no hidden fees or charges.
No application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
“We found that loans.com.au still had a very competitive rate and we were happy with the service”
Customer reviews
Our Google Rating
As seen on...
A variable bold home loan that saves you more.
Frequently asked questions
As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.
Yes, our Variable Bold Home Loan comes with a 100% offset sub-account which includes:
-
Full access to your money via online banking, ATMs, EFTPOS, and a Visa debit card
-
Unlimited free redraws for added convenience
Learn more about our Variable Bold Home Loan’s offset sub-account feature.
An offset sub-account is linked to your home loan and helps reduce the interest you pay. Instead of earning interest like a regular savings account, the balance in your offset reduces the portion of your loan that accrues interest. This can help you pay off your loan faster and save on interest costs.
Key things to know:
- It's a sub-account of your loan, not a separate deposit account.
- Funds in the offset sub-account are not covered by the government deposit guarantee.
- The offset cannot exceed your home loan balance.
If you have any questions, our friendly team is here to help!
A variable rate mortgage offers much more flexibility in comparison to a fixed rate loan. Variable rate mortgages have a full redraw facility, allowing you to make unlimited additional repayments and withdraw them at any time. And, if your lender reduces their rates across the board, you will benefit from a rate reduction.
We sure do! Introduce someone to loans.com.au and we'll reward you when they settle their loan with us!
For home loans, we'll give you a huge $1000 bonus when they settle their home loan with us and your friend will also receive $1000.
For car loans, we'll give you a huge $250 bonus when they settle their car loan with us and your friend will also receive $150 off their settlement fee.
Simply fill out your application online by entering some of your details here.
Alternatively, chat to one of our friendly lending specialists on 1300 471 681 and they can complete your application for you.
After your application is complete, use our app onTrack on your desktop or device to add your documents such as payslips, and details of your existing loan. In the onTrack app, you can track the progress of your application. For more information for documents required for a home purchase or build:
What documents do I need to buy or build a home in Australia?
Kathryn
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Kathryn and our team can answer all your questions to get you on track.