For Members with an eligible home loan
100% offset
Unlimited everyday transactions*

Mortgage Offset is a transaction account linked to your eligible home loan. It can help you save interest and possibly own your home sooner by offsetting the balance of the account from what you owe on your loan prior to the calculation of monthly interest.

It’s a great way to ensure all your money is working to reduce the interest paid on your home loan, while meeting the flexibility and access needs of your everyday banking.


  • 100% offset benefit
  • No monthly account service fee
  • Unlimited everyday transactions*
  • No minimum opening balance or withdrawal fee
  • 24/7 internet banking and mobile app access
  • Worldwide access
  • Bank@Post

Rates & Fees

Balances less than $5,000 0.00Interest rate
$5,000 < $500,000+ 0.01Interest rate
The Mortgage Offset linked loan account interest is calculated on the amount which is the difference between the daily balance of the loan and the daily balance (if in credit) of the offset account. This interest is debited to the loan. Credit interest on Mortgage Offset accounts is only paid if the account is not linked to an eligible home loan. All interest rates quoted are per annum and are calculated on a tiered basis. Effective Thursday 23 February 2023
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.
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The fine print

Available to Queensland Country personal Members on all owner-occupied and residential investment home loans excluding the Home Equity Loan.

*Not all transactions are included in the free transactions. Refer to our Fees and Charges brochure for the transactions which do not incur a fee and for other fees and charges which may apply.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Service Guide; Target Market Determination; Home Loans and Line of Credit brochure (refer to the section on Mortgage Offset account) and Account and Access Facility Conditions of Use brochure.