The Finance Algorithm
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Home Loan Offset

Use the money in your transaction account to help you save interest and own your home sooner.

Savings & transaction accountsBank updated 23 Sept 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Pricing
Rates on application

Fees

4 fees published, grouped by when they're charged.

When particular things happen4

  • Deposited Cheque Item Fee
    Varies
  • Dishonour Fee
    $15
  • Honour Fee
    $20
  • QuickDebit Dishonour Fee
    $15

Features

Instant paymentsPayIDDigital bankingUnlimited transactionsApple Pay.Google Pay
  • Save on paper, receive and view your statements online with eStatements.

Eligibility and limits

  • Minimum age 18
  • Residency: A Permanent Australian Resident including those working overseas.
  • Available to individuals
  • Account linked to the Offset Home Loan.

Published by Summerland Bank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.