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Fully featured with a competitive variable rate, this loan comes with the benefits of a 100% offset account. Suitable for first home buyers, investors, refinancing, bridging and construction.

Key features

Offset account

Find out what's so good about a 100% offset account.


Variable only.


It’s free to redraw online or via our app (min $1).

What you’ll need:

  • The amount you’d like to borrow (our borrowing calculator can help)
  • Your assets, including estimated values
  • Your liabilities, including credit limits
  • Your gross income
  • The approximate value of any property offered as security
  • Your deposit amount
  • The equity you have in your home.


Choose between Principal and Interest or Interest Only.

Make extra repayments without penalty:

  • Variable rate - unlimited
  • Fixed rate - up to $20,000 per year.


View our short videos to learn more about our loan products and features.

1351498-100pc offset image-688x387.jpg
What's a 100% offset account?
Cartoon of two people on a bridge one holding a dollar sign and the other a house.
Benefits of linking a credit card to your offset account.
Two houses, one showing existing mortgage amount owing and the other showing the additional amount to needed to borrow for the new house.
Go-Between bridging finance
Cartoon crane lifting a dollar sign.
Construction loans
Adelaide Bank logo.

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Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.
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