Compare Home Loans with an Offset Account & Redraw Facility

Compare our lowest rates & repayments for home loans with an Offset Account & Redraw Facility.

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These smarter, more flexible home loans help you save on interest payments and access fast cash when you need it. Home Loans with Offset Accounts help you save on the amount of interest you pay by putting spare cash to work. (Money sitting in an offset account reduces the overall size of the loan, reducing the size of the monthly repayments you need to make). Home Loans with a Redraw Facility allows you to quickly redraw any additional repayments you have made, giving you access to fast cash when you need it.

Compare All Home Loan Rates & Repayments


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Lender
Loan Details
Interest
Comparison
Repayments
  1. Orange Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.74%
      p.a. variable
    • 3.83%
      p.a. Comparison
    • $1,814
      per month*
  2. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.79%
      p.a. fixed
    • 5.16%
      p.a. Comparison
    • $1,819
      per month*
  3. Complete Fixed 2 Year Home Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.69%
      p.a. fixed
    • 4.05%
      p.a. Comparison
    • $1,821
      per month*
  4. Complete Fixed 2 Year Home Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.69%
      p.a. fixed
    • 3.99%
      p.a. Comparison
    • $1,821
      per month*
  5. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. fixed
    • 4.87%
      p.a. Comparison
    • $1,822
      per month*
  6. Affinity Variable Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.89%
      p.a. variable
    • 3.91%
      p.a. Comparison
    • $1,826
      per month*
  7. Homeloans FlexiChoice Prime Standard

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.89%
      p.a. variable
    • 3.90%
      p.a. Comparison
    • $1,826
      per month*
  8. Advantage Package 2 Yr Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.56%
      p.a. Comparison
    • $1,832
      per month*
  9. Advantage Package 2 Yrs Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.62%
      p.a. Comparison
    • $1,832
      per month*
  10. Advantage Home Loan Package 2 Year Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.75%
      p.a. fixed
    • 4.62%
      p.a. Comparison
    • $1,832
      per month*
  11. Homeloans FlexiChoice Prime Pro Pack

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.79%
      p.a. variable
    • 3.95%
      p.a. Comparison
    • $1,836
      per month*
  12. VIP Package 80

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 3.94%
      p.a. variable
    • 3.96%
      p.a. Comparison
    • $1,836
      per month*
  13. Fixed Rate Home Loan 2 Year

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.07%
      p.a. Comparison
    • $1,838
      per month*
  14. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.13%
      p.a. Comparison
    • $1,838
      per month*
  15. Fixed Rate Home Loan 2 Yrs

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.90%
      p.a. fixed
    • 5.13%
      p.a. Comparison
    • $1,838
      per month*
  16. Orange Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.87%
      p.a. variable
    • 3.96%
      p.a. Comparison
    • $1,839
      per month*
  17. Basic Variable Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 3.98%
      p.a. variable
    • 3.99%
      p.a. Comparison
    • $1,844
      per month*
  18. Basic Variable Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.98%
      p.a. variable
    • 4.00%
      p.a. Comparison
    • $1,844
      per month*
  19. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. fixed
    • 4.02%
      p.a. Comparison
    • $1,846
      per month*
  20. Home Advantage Variable

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.84%
      p.a. variable
    • 3.99%
      p.a. Comparison
    • $1,846
      per month*
  21. 3 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.99%
      p.a. fixed
    • 4.82%
      p.a. Comparison
    • $1,850
      per month*
  22. Advantage Package 3 Yr Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.85%
      p.a. fixed
    • 4.53%
      p.a. Comparison
    • $1,851
      per month*
  23. Advantage Package 5 Yr Fixed Rate Loan

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%%
    • 3.85%
      p.a. fixed
    • 4.44%
      p.a. Comparison
    • $1,851
      per month*
  24. Bankwest Premium Select HL Agg Borrowings

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 4.02%
      p.a. variable
    • 4.02%
      p.a. Comparison
    • $1,851
      per month*
  25. Bankwest Premium Select HL Agg Borrowings

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 4.02%
      p.a. variable
    • 4.02%
      p.a. Comparison
    • $1,851
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided