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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 Offset Home Loan
Enjoy the certainty of fixed repayments while reducing your interest with an offset account
A fixed-rate offset owner-occupied home loan is designed to provide repayment certainty while helping you reduce the interest charged on your loan. By linking your home loan to an everyday transaction account, the balance held in that account offsets your loan balance, lowering the amount of interest calculated.
MoveBank’s Fixed Offset Owner-Occupied Home Loan combines the stability of a fixed interest rate with the flexibility of an offset account, giving you more control over your home loan and everyday finances.
Estimating your savings and repayments
Understanding how a fixed-rate and offset account work together is an important part of your decision-making process.
Home loan calculators can help you estimate:
- The effect of your offset balance on interest payable
- Your repayments during the fixed-rateperiod
- The potential savings 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 help reduce interest, but they operate differently.
An offset account is a separate transaction account linked to your MoveBank home loan. You can access your funds at any time, just like a standard bank account.
A redraw facility allows you to access additional repayments made on your loan above the required amount. These funds remain within the loan rather than in a separate account.
For borrowers who value easy, everyday access to their savings, an offset account is often the preferred option.
Who a fixed-rate offset home loan may suit
MoveBank’s Fixed Offset Owner-Occupied Home Loan may suit:
- Owner-occupiers purchasing or refinancing their primary residence
- Borrowers who prefer predictable repayments during a fixed-rate period
- Homeowners looking to reduce interest while keeping access to savings
- Individuals who actively use transaction accounts for everyday banking
As with any financial product, it’s important to consider whether this loan aligns with your personal needs and financial situation.
How to apply
You can apply for a MoveBank Fixed Offset Owner-Occupied 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 a Fixed Offset Owner-Occupied Home Loan is suitable for you before making a decision.