Skip to main content
Most popular searchOffset loanBasic loan

Offset loan

100% offset, 100% of the time, is just the start of what this practical loan has to offer. Suitable for first home buyers, investors, refinancing and bridging finance.

Key features

  • 1
    Fully transactional account with Visa Debit card and online banking access
  • 2
    Variable and fixed rate options
  • 3
    Linked offset account with 100% offset, 100% of the time (even on fixed rates)
  • 4
    Free to redraw online or via our app^
  • 5
    Unlimited extra repayments for variable and up to $20,000 p.a. without penalty for fixed

We're here to help

Find your local BDM

Our BDMs are ready and waiting to help you.

Call Partner Assist

Get help with loan scenarios, lending policy, procedures and more. Available Monday to Friday between 8:30am and 5pm (CST).

Things you should know

 

^Redraw is not automatic. All customers must provide consent to have this function set up and must have at least one repayment ahead, before they can redraw any funds so that they will not fall into arrears. For example, if a minimum monthly repayment is $2,500 and the customer has an ahead balance of $10,000, the customer can only withdraw $7,500 if this function is set up.

Adelaide Bank logo.

We acknowledge the Traditional Owners and Custodians of the land where we live, learn and work. We pay our respects to all First Nations peoples and acknowledge Elders past and present.

We are dedicated to creating an inclusive and safe space for our team members of all genders and sexual orientations through inclusive hiring, leave policies and workplace design.

This website is for broker use only and any advice provided is of a general nature only. Information on this page can change without notice to you.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. GPO Box 1048, Adelaide SA 5001. Terms conditions and lending criteria apply.
© Copyright 2025 Adelaide Bank a division of Bendigo and Adelaide Bank Limited.