A 100% offset home loan allows you to link a transaction or savings account to your home loan. The funds in this account are offset against your loan balance when calculating interest—potentially reducing the interest you pay.
The offset account operates like a standard bank account. You can deposit your salary, pay bills, and access funds as needed, while still minimising interest on your mortgage.
For those with surplus income or savings, offset accounts may provide a way to reduce interest costs while maintaining access to funds.
The balance in your offset account is deducted from your home loan balance before interest is calculated. You’re charged interest only on the remaining amount.
While your offset account is linked to your mortgage, it remains a separate transaction account. You can use it for everyday expenses, while still helping to reduce your home loan interest.
Managing an offset account may be straightforward for those who are comfortable with digital banking and budgeting. However, the benefits are often most significant when a consistent balance is maintained.
It’s important to read the lender’s product terms to understand what features are offered. Not all offset products function in the same way, and conditions can vary.
In some cases, borrowers exploring refinancing may also come across offset account options, depending on the features offered by different lenders.
Some investors who hold offset-enabled loans may wish to explore how this structure compares with more traditional investment loans, especially when planning for future borrowing capacity.
Location-related factors are sometimes considered when offset features are used in investment settings, and this may be reflected in broader discussions around where to buy investment property in Australia.
Before committing, review the terms of the loan and offset structure. A mortgage broker can help clarify what options are available and what’s most aligned with your goals.
Considering whether a 100% offset home loan might suit your situation can depend on a range of factors, including how you manage your income, savings, and overall loan strategy. It’s not always a straightforward choice, and understanding the structure could help you decide what may work best.
Our team here at Ausfirst Lending Group works closely with borrowers to navigate these decisions and provide insights into how offset accounts are structured across different lenders. While outcomes can vary, we aim to clarify what might align with your goals and financial habits.
Have questions about how an offset feature could fit into your loan? Get in touch to speak with one of our senior mortgage brokers. We’re here to walk you through your options—no pressure, just practical guidance tailored to your circumstances.
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
📍 View on Google Maps
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
For buyers and homeowners managing their own property needs.
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Start Your First Home Journey
Finance your next property with ease using our second home loan options.
Finance Your Next Property
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Use Equity
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Refinance and Save
Adapt your mortgage to suit your changing life circumstances with ease.
Adjust Your Loan Terms
Bridge the gap between buying and selling with short-term loan solutions.
Bridge Your Finance Gap
Explore our investment loan solutions designed to help you build and grow your property portfolio.
Start Investing Now
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Use SMSF to Invest
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Finance with Trust Structure
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Access Advanced Lending
Live where you love and invest where it counts with our rentvesting strategies.
Learn About Rentvesting
Own your dream holiday retreat with our tailored holiday home loan solutions.
Buy a Holiday Home
Transform your property with renovation loans tailored for projects of any size.
Upgrade Your Home
Finance eco-friendly homes or upgrades with our green loan products.
Go Green with Financing
Secure finance for your business property needs with our commercial loan options.
Finance Your Business
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
See If You Qualify
Tailored for self-employed professionals and business owners who may not have traditional income verification.
Simplified Documentation Loans
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Leverage Family SupportWe provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Get Doctor-Specific Rates
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Explore Nurse Options
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Chiropractic Lending Solutions
Lending solutions tailored for high-earning professionals with private practice considerations.
Tailored Loans for Dentists
Customised loans for optometrists balancing practice ownership and salaried roles.
Explore Optometrist Packages
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Mortgage Options for Pharmacists
Tailored lending for physiotherapists in private clinics or mobile practices.
Loans Designed for Physio
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
See Psychologist Lending BenefitsEducators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsFor those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
See Legal Lending Benefits
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Secure Police Offers
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
See Tradie Home Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Apply as Self-Employed
Structured loan solutions designed for accountants with layered income sources and business deductions.
See Accountant Lending Solutions
Lending options structured for engineers with contract-based or salaried employment structures..
Loan Packages for EngineersWe begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
We prepare and submit your application to the lender, ensuring everything is in order.
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
We provide continuous support and review, offering updated loan options as your needs evolve over time.
Not all lenders offer 100% offset accounts. Availability may depend on the lender, product type, or loan amount. In some cases, offset access may only be included in certain loan packages.
Some lenders offer more flexible offset features than others. Smaller institutions or non-bank lenders may provide alternative offset-compatible products that don't require extra fees or bundled packages.
Reviewing lender policies before applying can save time and prevent surprises later in the process.
Both strategies may help reduce interest. Offset accounts allow you to retain access to your funds, which may suit borrowers with fluctuating income or upcoming expenses.
Directly repaying the loan may reduce temptation to spend and can potentially reduce the balance faster, but funds won't be easily accessible if needed.
Choosing between the two often comes down to your financial habits and need for liquidity. For general guidance on managing savings, offset accounts, or loans, you might explore Services Australia's Financial Information Service, which offers free, government-backed financial education.
Borrowers who maintain consistent savings or higher-than-average cash flow may benefit more from offset features. Professionals with predictable income, families with surplus income after expenses, or investors seeking interest savings with flexibility may find value in this type of structure.
Offset accounts are also often useful to those who prefer flexibility over committing funds directly into their loan.
Most fixed-rate home loans don't offer full offset accounts. However, a limited number of lenders may offer partial or 100% offset facilities with certain fixed-rate products.
If this feature is important to you, a mortgage broker can help identify lenders that offer fixed loans with offset features.
Contact
Address
Memberships
Business Information
Follow
Locations
Legal
Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
Copyright © 2024 Ausfirst Lending Group | All Rights Reserved | Design & SEO by Marketing Agency Pro
