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.

Features

  • 100% offset benefit
  • No monthly account service fee
  • Unlimited everyday transactions*
  • No minimum opening balance or withdrawal fee
  • 24/7 internet and phone banking access
  • Mobile banking app
  • Worldwide access
  • [email protected]

Rates & Fees

Balances less than $5,000 0.00Interest rate
$5,000 < $500,000+ 0.01Interest rate
All interest rates quoted are per annum and are calculated on a tiered basis. Effective Wednesday 1 April 2020
Fees
Monthly fee $0
Transaction fees Fees may apply. Please read our Fees and Charges brochure to learn more.

Interest rates up to

0.01 Percent per annum

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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 you should read the Financial Service Guide; Target Market Determination, Home Loans and Line of Credit brochure (refer to the section on Mortgage Offset account) and the Account and Access Facility Conditions of Use brochure to view the terms and conditions of this account and to determine if this product is right for you.