Product Library

L70 Mortgage Offset Home Loan

A Mortgage Offset Facility Allows You To Accumulate Savings In A Specific Savings Account And Use That Account Balance To Reduce Interest On Your Home Loan.

Category: Home Loans Last Updated March 25, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information Reference Rate Provided And Subject To Assessment Of Application For Credit, With Interest Rate Being Offered Upon Approval

Interest Rate
7.95% PA

Comparison Rate
8.00%PA*

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Digital Banking Additional Information: 24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone

Extra Repayments

Loyalty Program Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking

Offset

Other Additional Information: No Monthly Account Keeping Fees

Other Additional Information: No Loan Service Fees

Other Additional Information: No Penalties For Early Payouts

Redraw

Unlimited Txns Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking

Product Eligibility

Min Age - 18.

Other Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment

Residency Status - Australian Citizens Or Permanent Residents. Additional Information: Residents Of Australia Are Eligible

Bank Fees and Charges

Loan Redraw Processing Fee (Transaction), Amount: 35.00.

Discharge Of Mortgage Fee (Event), Amount: 500.52.

Lenders Mortgage Insurance (Upfront), Amount: 0.00.

Enforcement Collection Cost (Event), Amount: 0.00.

Valuation Fee (Upfront), Amount: 0.00.

Solicitors Fee (Upfront), Amount: 0.00.

Registration Fee (Upfront), Amount: 0.00.

Agents Fee (Upfront), Amount: 0.00.

Credit Report Fee (Upfront), Amount: 20.00.

Loan Establishment Fee (Upfront), Amount: 655.00.

Loan Establishment Fee - Self Employed Or Debt Consolidation (Upfront), Amount: 705.00.

Bhccu Enforcement Expense (Event), Amount: 0.00.

Loan Establishment Fee - Lenders Mortgage Insurance (Upfront), Amount: 855.00.

Loan Contract Variation Fee (Event), Amount: 275.00.

Guarantee Security Fee (Event), Amount: 325.00.

Discharge Administration Fee (Event), Amount: 250.00.

Credit Bureau Default Listing (Event), Amount: 75.00.

Electronic Settlement Fee (Upfront), Amount: 0.00.

Security Handling Fee (Event), Amount: 200.00.

Progress Drawdown Fee (Event), Amount: 150.00.

Ipex Fee (Upfront), Amount: 35.00.

Settlement Fee (Event), Amount: 150.00.

Debt Agreement Fee (Event), Amount: 150.00.

Enforcement Expense (Event), Amount: 0.00.

Limitations & Restrictions (Constraints)

Max Lvr of 0.80

Max Lvr of 0.95 Additional Information: Subject To QBE Lenders Mortgage Insurance

■ ■ ■

Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.