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How you get greater flexibility

When an Everyday Offset is linked to a standard variable rate home loan, the funds in your account are offset against the balance of your home loan. This means that every cent in your Everyday Offset can help reduce the amount of interest you pay on your home loan.

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Accounts with Everyday Offset feature have all the banking and transaction features you need, so you can easily access your money in your account via NetBank, ATMs, EFTPOS/EFTPOB, Debit MasterCard®, telephone banking, BPAY®, direct debit, direct credit and branches.

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You can link your home loan to multiple offset accounts in the same name as your home loan#. The more you offset, the less interest you could pay.

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Special home loan offers

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3 Year Fixed Package Rate*

Our 3 year fixed home loan package rate is the lowest it’s ever been. Plus you enjoy the peace of mind of knowing exactly how much you will be paying each month.

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3 Year Fixed Package Rate*

Interest rate3.99%PA

Comparison Rate4.93%PA

Note: Everyday Offset is not available on the 3 Year Fixed Package Rate Home Loan.

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Learn more about home loans and property

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Customised property market reports

With the latest property market data at their fingertips, our Home Lending Specialists can help you get the latest information on new listings, auctions and recent sales, as well as suburb profiles and individual property market estimates.

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Buying your next home

Buying your next home can take time. We explore some of our customers’ experiences and top tips, starting with how flexibility in a home loan can help you adapt to life’s changes.

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Things to know before you Can:

Availability of flexible features depends on loan type. Applications for finance are subject to credit approval. Fees and charges may apply. Full terms and conditions included in our loan offer.

Comparison rate calculated on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

MasterCard is a registered trademark of MasterCard International Incorporated.

BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518.

#Fees and charges may apply including an initial linking fee ($95) and a monthly fee ($10)

*Package requires $150,000 in total home lending, and an annual fee of $375 ($395 on and from 16 May 2014) applies. Rate Lock allows you to lock in the interest rate for a period of 90 days effective from the date we process your request. Rate Lock is only available at application and a fee applies. At the end of the fixed rate period, the interest rate converts to the then current Standard Variable Rate, less any applicable package discount specified in your Loan Contract.

Everyday Offset is a feature of our Complete Access Transaction Account which is linked to an eligible home
loan, and accountholder/s must also be accountholders of the linked home loan. Interest is not charged on that part of the Home Loan balance equal to the balance of the Complete Access account.

As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF68KB). Full terms and conditions for transaction and savings accounts (PDF 660KB) mentioned are available here or from any branch of the Commonwealth Bank. If you have a complaint in respect of this product, the Commonwealth Bank’s dispute resolution service can be accessed on 13 2221.