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Great fixed rates
Lock in a competitive fixed rate and know exactly what your rate will be for the life of the fixed term.
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Enjoy the stability of consistent repayments for the fixed term
Budget with confidence knowing your repayments stay the same every month, no matter what happens in the market.
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100% offset account
Reduce the interest you pay by linking an offset account, where every dollar saved works to lower your loan balance.
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No monthly account keeping fees
Keep more money in your pocket with zero monthly account keeping fees — because you shouldn't pay just to have a home loan.
Fixed Rate Investment Offset Home Loan
Combine repayment certainty with the flexibility to reduce your investment loan interest
An Offset Fixed-rate Investment Home Loan is designed to give property investors greater certainty over repayments while helping reduce the interest charged on their loan. By linking your home loan to an everyday transaction account, the balance in that account is offset against your loan, lowering the amount of interest payable.
MoveBank’s Offset Fixed Investment Home Loan blends the stability of a fixed interest rate with the flexibility of an offset account, helping you manage your investment finances more effectively.
Estimating your savings and repayments
Understanding how a fixed-rate and offset account work together is an important part of evaluating your loan options.
Home loan calculators can help you estimate:
- The impact of your offset balance on interest payable
- Your repayments during the fixed-rate period
- The potential difference compared to a loan without an offset
Results are indicative only and do not constitute a loan offer or approval.
Let's help you crunch the numbers
Offset account vs redraw facility
Offset accounts and redraw facilities can both assist in reducing interest, but they function differently.
An offset account is a separate transaction account linked to your MoveBank home loan. You can access your funds at any time, similar to a standard bank account.
A redraw facility allows you to access extra repayments made on your loan above the minimum required. These funds remain within the loan, rather than in a separate account.
For investors who prefer flexibility and easy access to their funds, an offset account may be the preferred option.
Who an offset fixed-rate investment home loan may suit
MoveBank’s Offset Fixed Investment Home Loan may suit:
- Property investorspurchasinga rental or secondary property
- Existing borrowers refinancing an investment loan
- Investors seeking fixed-raterepayment certainty
- Borrowers who want to reduce interest whilemaintainingaccess to their funds
- Individuals who actively manage cash flow through transaction accounts
As with any financial product, it’s important to consider whether this loan aligns with your individual financial needs and investment strategy.
How to apply
You can apply for a MoveBank Offset Fixed Investment Home Loan online or speak with a lending specialist to explore your options.
Your application will be assessed based on your financial position, including income, expenses and lending criteria. You may be required to provide documentation such as proof of income, identification and details of your financial situation.
This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether an Offset Fixed Home Loan is suitable for you before making a decision.