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Enjoy the benefits of a 100% offset account and the comfort of knowing exactly what your repayments will be. Suitable for first home buyers, investors, refinancing and bridging finance. 

Key features

Offset account

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


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


Choose a fixed interest rate period between 1 – 5 years.

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, up to $20,000 per year.

Award winning home loans

You'll enjoy outstanding value whether you need an owner occupied or investment home loan.

Three Canstar awards for Outstanding value - Fixed Home Lender, Investment Home Lender, and Investment Fixed Home Lender.


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

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Cartoon of people learning about how our 100% offset accounts work.
What's a 100% offset account?
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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.
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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
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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