Why Offset Needs To Be Structured Right
Almost every bank advertises offset, but not every offset loan delivers the same benefit:
- Some offer a full 100% offset, others offer a partial offset
- Some charge higher rates or monthly fees for offset access
- Some don’t allow offset on fixed or split loan structures
We’ll guide you through these options and build a home loan with an offset that works for your financial life.
What We Do For You
- Compare multiple lenders offering offset accounts
- Negotiate rates & minimise fees across lenders
- Build your loan structure to match your income, savings & goals
- Handle lender policy, paperwork and full application
- Provide ongoing post-settlement support to review rates, adjust your loan, and help you maximise savings long-term
Your offset only works if it’s built for your real financial life. That’s what we do.
Our customers say it best
Our loan has a competitive interest rate with offset accounts and a redraw facility, just the flexibility we were after. Good communication throughout, despite all the extra back and forth required when getting finance approval. Thank you guys!
The customer service was consistently good through a quite long drawn out process changing from a commercial loan product to residential for a not straightforward refinance and construction situation. Very happy with the new loan all round including term, rate, and especially the linked offset account.
Exemplary Assistance When We Needed It Most – Home Loan Experts quickly identified the perfect loan product for our renovation needs, especially after our bank had turned us down. Their dedication to explaining my complex salary package to the credit team was commendable.
4.9 out of 2,000+ reviews
4.8 out of 430+ reviews
4.8 out of 940+ reviews
Award-Winning Expertise At Your Service
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Enquire with us.
Fill out our quick assessment form or call us at 1300 889 743.
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Understand your situation.
A dedicated expert will connect with you to understand your specific goals. Together, we’ll assess your current mortgage standing.
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Secure your ideal refinance solution.
Leverage our network of lenders to find the best option based on your needs.