Click Loans The Online Offset Loan


The Online Offset Loan, while being a bit of a tongue-twister to say, is a dynamic home loan designed to leverage your savings. It offers a low variable interest rate with introductory benefits such as no ongoing bank fees for a fixed period of time. 

You can borrow up to 95 per cent of the property value and for the life of the loan use the interest from your regular savings account to offset, and reduce the interest payable on your home loan. The Online Offset Loan lets you make unlimited additional repayments that you can redraw when needed. It's worth noting that the variable interest rate you obtain is dependent on the size of your deposit and the amount you wish to borrow. 

If you were searching for extra certainty around repayments, you could opt for a split loan. This option would let you determine what percentage of your mortgage you wanted to make a fixed interest rate. Of course, the usual restrictions may apply to the fixed position such as no additional repayments and a break-fee if you were to end the fixed term early.

Who is the Click Loans The Online Offset Loan good for?

The Online Offset Loan caters to all borrowing needs. Whether you want to build a new home, buy an existing property or get into investing. This product is suitable for the first home buyer, owner-occupier, refinancer and investor.

Review - What RateCity says

The Online Offset Loan helps you own your home faster. It does this by offering an ongoing low variable interest rate, low ongoing fees, along with an offset facility leveraging off the interest you earn on regular savings. And because it's completely online, you have total control over how you manage your finances from a 24/7 dashboard. 

Click Loans The Online Offset Loan Options

The Online Offset Loan has a range of options to choose from. For more information, click on one of the products below. 

  • Competitive interest rates.
  • 100 per cent offset account.
  • Extra repayments allowed.
  • Moderate fees.
  • No low doc option.
  • Online lender with no branch locations.

Must meet minimum loan amount.


Must meet serviceability criteria.

About Click Loans

Click Loans is an online mortgage broker offering Australia's first fully online application process. Click Loans is a subsidiary of Australian Credit and Finance that works with banks and lenders to provide customers with the right home loan option for them.

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