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Standard Offset Home Loan

Standard Offset Home Loan

A home loan that's all about savings.

Please note that we are no longer accepting new applications for this product. Our dedicated team is available to support existing customers with any variations and modifications required to your home loan.

Why choose a Standard Offset Home Loan?

With Standard Offset Home Loan, the savings in your transaction account can be used to offset, or reduce, your total home loan amount meaning you pay less interest each month. Over time these savings can really add up and can also reduce the time it takes to pay off your loan.


With an offset home loan, you could be paying less in interest every month by offsetting up to 100% of your offset home loan.

Available Funds

Having an offset home loan means you’ll have access to available funds in your offset savings account.

Split Accounts

Split up to 4 accounts with a minimum split amount of $20,000 per account.

Loan Combination

Ability to combine with other eligible Home Loans (i.e. Standard Variable and/or Standard Fixed Home Loans under one loan facility).

Debit Card

Offset savings account comes with a debit card for daily use1.

View Home Loan Rates


Home Loan Application Fee - $399

Annual Package Fee - $0

Settlement Fee - $250

Minimum Loan Amount - $350,000

Account Keeping Fees - $8p/m per account

View all Fees and Charges

Other Home Loans

Basic Home Loan

A low variable rate home loan with the ability to make extra repayments and pay off your loan faster at no extra cost.                                     

Learn More

Standard Fixed Home Loan

Receive protection from rate rises and have the peace of mind of knowing just how much you'll pay as well as a set repayment period.

Learn More

Standard Variable Home Loan

Our variable rate home loan comes with a flexible interest rate that allows you to pay it off sooner.                                                                   

Learn More

View all of our home loans

Help and Support

Manage your home loan

We want to make sure your home loan still works for you, long after you’ve moved in. Ensure you're making the most of our products and services.

Find out more

Calculators and Tools

Here you’ll find a range of calculators, planners and tools that will help you crunch the numbers and make it easy to plan your perfect home loan.

Start planning

Can't find what you're looking for?  Contact Us

Important Information

Advertised Home Loan rates are for new, secured loans only and are subject to change at any time. All loans and securities are subject to our credit criteria. Establishment and, where applicable, legal fees apply. Terms and conditions apply and are available on request.

Minimum loan size is $350,000.

1. We charge you an international transaction fee of 2.5% on the AUD dollar conversion of any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citi to the scheme (where applicable). Debit interest charge may also apply when you make a payment that exceeds your available funds or your overdraft limit and we allow the transaction, you will be charged debit interest at the prevailing debit balance interest rate.

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