Contact details

Card image cap

Offset Home Loans



Today's Lowest Interest Rates For Offset Loans

Last updated 6:00am, 27th Nov 2020

Should I Get an Offsets Home Loan

Offset home loans are a popular term people often ask about, usually because someone they know has suggested it. It is important to understand that in some circumstances, an offset loan might not be the best option, as they often attract a higher interest rate or ongoing fees.

In which circumstances are Offset home loans is a good option. Investors who have additional funds they do not wanted to deposit directly onto the loan account. Customers who have substantial savings and either for budgeting, savings or other reasons do not want to deposit the money directly onto the home loan.

For everyone else, I would compare the cheapest offset home loan with a basic variable rate home loan. Consider the difference in cost between the two loans before making a decision.

Customer Reviews

Christopher Busuttil profile pic
Christopher Busuttil

Great Experience with Get a Better Rate . If we could give more than 5 star to our broker Peter Hammond we would cause he deserves it. He's been so helpful and patient to us from the start up to this point of our loan. He's very professional and passionate with his job. Very reliable and easy to communicate as you can contact him at anytime and response as soon as he can.. Most of all for a first timer like us it would have been so hard for us to understand how things works but he manage to explain everything in a professional and yet understandable and the easiest way. Without his guidance we wouldn't make this experience as easy and enjoyable as it is.. Glad we have him in this journey of our loan.. Thank you Peter..
Ammar Khan profile pic
Ammar Khan

Highly recommend Peter from 'Get a Better Rate'. We received friendly, helpful and professional service from 'Get a Better Rate'. We were given a range of options to choose from for our home loan refinance. We were kept up-to-date with status updates throughout the whole process. Overall, very happy with the service that we received.
Matthew Booth profile pic
Matthew Booth

We refinanced through 'Get a better rate' and were very happy with the whole experience. Peter discussed our needs, presented options and then helped us decide what was best for our situation. He moved through the process at our pace (quickly) which was lucky because we settled just 2 days before the bank raised their rate. I can confidently recommend Peter and Get a Better Rate
Kyle Arthars profile pic
Kyle Arthars

Peter was great. He gave me good advice, he communicated in a timely manner and was very responsive, he pushed and he has good knowledge - definitely recommend giving him a call.

Our lenders

86 400 logo PNG and SVF formats

AFG Home Loans logo PNG and SVF formats

ANZ logo PNG and SVF formats

Auswide Bank logo PNG and SVF formats

Bank Australia logo PNG and SVF formats

Bank SA logo PNG and SVF formats

Bankwest logo PNG and SVF formats

Beyond Bank logo PNG and SVF formats

Bluestone logo PNG and SVF formats

Better Mortgage Management logo PNG and SVF formats

Bank of Melbourne logo PNG and SVF formats

Bank of QLD logo PNG and SVF formats

Bank of Sydney logo PNG and SVF formats

Commonwealth Bank logo PNG and SVF formats

Bank of China logo PNG and SVF formats

Citibank logo PNG and SVF formats

CUA logo PNG and SVF formats

Firefighters Mutual Bank logo PNG and SVF formats

Granite Home Loans logo PNG and SVF formats

Health Professionals Bank logo PNG and SVF formats

Heritage Bank logo PNG and SVF formats

ING logo PNG and SVF formats

Keystart logo PNG and SVF formats

La Trobe Financial logo PNG and SVF formats

Liberty Financial logo PNG and SVF formats

Macquarie Bank logo PNG and SVF formats

ME logo PNG and SVF formats

MKM Capital Pty Ltd logo PNG and SVF formats

MyState logo PNG and SVF formats

NAB logo PNG and SVF formats

Newcastle Permanent logo PNG and SVF formats

Pepper Money logo PNG and SVF formats

P&N Bank logo PNG and SVF formats

QBank logo PNG and SVF formats

Resimac logo PNG and SVF formats

St George Bank logo PNG and SVF formats

Suncorp logo PNG and SVF formats

Teachers Mutual Bank logo PNG and SVF formats

UniBank logo PNG and SVF formats

Virgin Money logo PNG and SVF formats

Westpac logo PNG and SVF formats