Home Loan Offset

The Home Loan Offset has been designed to reduce the interest paid on your home loan. It can also help to reduce the taxable income from interest earned on your savings.

This loan is linked to an offset savings account
100% of the savings balance is offset against the home loan, reducing the balance of the home loan and therefore the interest
No interest is paid on the offset savings account
No transaction fees for the life of your home loan^
No monthly account keeping fees

Key Features
Variable interest rate View our interest rates
Minimum amount $0
Maximum amount

$1,000,000

Loan period Up to 30 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, charged monthly
Monthly account keeping fees No
Annual fees No
Flexible and lump sum repayments Yes
Split with other loans Yes
Loan repayment insurance available Yes
Early repayments fees Yes (only within the first 5 years)
Establishment fee $350
Pre-approved $5,000 Visa Credit Card* Yes
Loan top-up facility available Yes
Redraw facility

Yes

(Our Banking System will automatically hold 1 (one) repayment in advance)

Pre-approval - we can approve your loan in advance Yes
Free mobile lending service** Yes
No transaction fees for the life of your home loan^ Yes

More Information

Apply

Apply for a Home Loan Apply Now

Questions?

If you have any questions, please contact us Enquire Now

 

*Terms, conditions, fees, charges and credit criteria apply.
**This service is available in metropolitan Sydney, Newcastle and the Hunter region

^The 'no transaction fees' offer only applies on single membership and is not available to memberships with Commercial Loan accounts.  Fees charged by a third party supplier will still be payable. See our Fees and Charges for full details.

 

Government Deposit Guarantee
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