Mortgage Offset Home Loan

Our standard variable home loan with competitive features and flexible options.

Standard Variable (Owner Occupier)
Standard Variable (Owner Occupier)- Comparison Rate

Features & Benefits

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Up to 8 100% offset accounts
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Construction and split loan options²
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No monthly service fees
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Dedicated Relationship Manager

If your loan doesn’t fit into a neat box and needs some extra flexibility, you’ll find our Mortgage Offset Home Loan a more accommodating alternative. Whether you’re building a home, want to split between variable and fixed or have specific credit requirements the Mortgage Offset Home Loan can be adapted to meet your individual needs.

The Mortgage Offset Home Loan offers a full range of great features such as unlimited advance payments, an interest only option, no monthly fees and, of course, up to eight 100% Offset accounts per loan account.

Plus, you get the added reassurance of a dedicated Relationship Manager as your single point of contact, both to help you get started and as back up if you need it at any time throughout the course of your loan. Having a real person to deal with solicitors and third parties while talking you through the complexities of the purchase process can save you time, money and effort, so you can focus on the more important things in life!

Product Details

Owner Occupied, Investment
Interest Rate Type
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
100% Offset Accounts
Up to 8 per loan account
Split Loans Allowed
Minimum Amount
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
Minimum Deposit
(with Lenders Mortgage Insurance)
Interest Only Payments Available
Yes, up to 5 years²
Discounted Interest Rate on "Your Choice" Credit Card
3.00% discount
Other Benefits
Annual Fee
Approval Fee
Documentation Fee
Valuation Fee
At cost
Top Up Fee
Restructure Fee
Monthly Service Fee
Break Costs for Early Payout
Waived Access Fee on Transaction & Savings Accounts
Yes 4
Standard Variable (Owner Occupier)
Standard Variable (Owner Occupier)- Comparison Rate
Standard Variable (Investor)
Standard Variable (Investor)- Comparison Rate


1 WARNING: This comparison rate is for a secured variable rate “Mortgage Offset Home Loan” based on $300,000 over 30 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 08/05/17 and are subject to change.

2 Regional Australia Bank reserves the right to determine eligibility for this service.

3 Minimum redraw amount is $500.

4 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Community Mutual Ltd is the issuer of the product.