Offset Sub-account
Pay your home loan faster and save thousands on interest.
Why Choose This Loan?
100% offset sub-account^
Add an offset sub-account with Visa debit card access to your loan to help you to pay it off faster and with less interest.
Unlimited free redraws
Reduce your loan term, whilst still having access to your savings.
No monthly or ongoing fees
Having zero recurring fees means you save thousands over the course of your loan.
No application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
“loans.com.au has been excellent all the way through. Everyone has been so helpful and friendly that I felt treated like family.”
What Other Customers Are Saying
“Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.„
“Very easy process with a friendly lending manager to guide you through.„
“My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.„
“Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!„
“Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!„
“A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.„
“Great customer service, thanks Ray!„
“Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
“Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!„
As seen on...
Need to Know More? Here's the Whole Offer
Rates
Principal & interest
Interest Rate:
6.14% p.a.
Comparison Rate:
6.16% p.a.
Max LVR:
90%
Key Features
10% deposit minimum
Up to 30 years loan term
Unlimited additional repayments
Refinance or purchase
No monthly or ongoing fees
Offset account account available
Free redraw on any additional repayments
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,043 per month
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.14% p.a. paying principal and interest.
Fees
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
P&I
Interest Rate:
Comp Rate:
Max LVR:
6.14% p.a.
6.14% p.a.
90%
10% deposit minimum
Up to 30 years loan term
Unlimited additional repayments
Refinance or purchase
No monthly or ongoing fees
Offset account account available
Free redraw on any additional repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,043 per month
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.14% p.a. paying principal and interest.
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$300
Frequently asked questions
Konnie Sewell
Lending Specialist