100% Offset Home Loan

Our 100% Offset Home Loan puts you in control.

The 100% Offset Facility combines your home loan and your savings account. It works by deducting how much you have in savings from your loan balance each day and only charging interest on the difference. This means that you save twice. Firstly with the amount of interest that you pay on your home loan and secondly as the savings account does not attract credit interest so you do not need to declare it as a taxable income.

It combines a fully featured home loan with all the benefits of a 100% offset account and lets you see at a glance what you owe and what you own because the offset balance is shown separately.

You have the flexibility of having access to your savings via internet, ATM, eftpos and telephone banking. All the while, you are saving interest on your loan as your savings are being offset against your home loan balance, helping to make it your home sooner.