Home Loan Offset Account
An 100% Mortgage offset facility which reduces your loan interest making it so you can own your home sooner. This account can only be opened when you have an eligible mortgage with Family First. You can get the benefit of offsetting you interest while using the same account for everyday purchases.
Fees
| Fee | Type | Amount |
|---|---|---|
| EFTPOS Transaction Applies per transaction | Transaction | |
| Over the Counter Fee Applies per cash withdrawal and/or member cheque encashment | Transaction | |
| Cheque Book - 50 leaf Per 50 leaf cheque book | Event | |
| Overseas Transfers/Drafts/Cash Passports At cost | Event | |
| Providing the original of a Cheque/Voucher This fee applies when requesting an original cheque/voucher | Event | |
| Trace to Other Bank This fee applies when requesting a trace | Event | |
| Bank Audit Certificate This fee applies when a Bank Audit Certificate is required | Event | |
Features
- Card access
- Additional cards
- Offset account
- Digital banking
- PayID
- Real-time payments (NPP)
- Account participates in the relationship balance fee rebate scheme
Eligibility
- Residency status — Member must be an Australian resident
- Member must have a home loan with Family First
Constraints
- Minimum balance — $1.00
More Information
Published by Family First under the Consumer Data Right · Last updated 15 February 2026 · Product ID 161cdee4-7d74-4dc4-9ced-fc611c395539 · View on CDR.gov.au · View Source Data (JSON)