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Mortgage Specialists for over 20 Years

Advantage Plus 100% Offset

Our most popular home loan

Our most popular loan for owner occupiers because it saves you interest and helps pay off your home loan faster….for purchase and refinance



Compare all our home loans including rates here


Unique Features of our 100% Offset Home Loan

Most lenders only offer their borrowers a 100% offset savings account with their variable rate home loans. If fixed rates are low and borrowers wants to lock in the rate the benefits  of the offset are effectively cancelled. Where with our 100% Offset product, you can have the account variable or fixed and still receive the same benefits.

Most lenders including the major banks require a rate lock fee to hold the fixed rate from the time  your loan is approved until it settles.

Once in fixed rate the major banks generally do not allow you to make additional lump sum repayments of principal unless you pay a break cost penalty on the amount repaid.

Most lenders do not offer fixed rates, redraw or offset accounts during the construction period of a home (e.g. in house and land package purchases) and often seek a higher interest rate pending completion of the new home.

Most Lenders require a commitment from borrowers purchasing vacant residential land, to commence construction within 12 months.

Austral Mortgage Testimonials

“Austral’s 100% Offset product has saved me heaps in interest. The facility is very easy to use and helps me to identify how much I owe and how much I’ve saved. The service from Austral has also been phenomenal. So happy I went with the Offset account. 
R. Davies, NSW

"The whole team at Austral are amazing, we are so glad we arranged our finance through you!"
Kim, NSW

Need some guidance? 

Here's where you can get help to choose the right home loan.

Here's where you can compare all the Austral Home Loans

Ask Vicky Mortgage Advice 

Read about the benefits of 100% Offset Home Loans, how 100% offset home loans are structured and how 100% offset mortgages work

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