Amlak Premium Offset
Home Loans
A fully featured home finance facility with an offset-sub account.
- From (owner occupied)
- 6.44%
- 6.54% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.44% | 6.54% | Loan-to-Value Ratio (LVR) |
| Variable | 6.63% | 6.73% | Loan-to-Value Ratio (LVR) |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.54% | 6.64% | Loan-to-Value Ratio (LVR) |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.64% | 6.74% | Loan-to-Value Ratio (LVR) |
| Variable | 6.84% | 6.94% | Loan-to-Value Ratio (LVR) |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.74% | 6.84% | Loan-to-Value Ratio (LVR) |
| Variable | 6.94% | 7.04% | Loan-to-Value Ratio (LVR) |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee. | Upfront | $965.00 |
| Valuation Fee A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount. | Event | From $221.00 |
| Discharge Administration Fee A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
| Discharge Documentation Fee A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |
Features
- Offset account
- An optional linked sub-account where the balance offsets the facility principal, reducing the rent charged.
- Redraw facility
- Enables access to any extra repayments made, allowing funds to be withdrawn if needed.
- Extra repayments
- Allows borrowers to make additional repayments on the facility to reduce rent and pay off the facility faster.
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years old to apply for this finance facility.
- Residency status — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
Constraints
- The term of the finance facility cannot exceed 30 years. — P30Y
- The term of the finance facility must be a minimum of 15 years. — P15Y
- Minimum limit — $50,000.00The minimum application amount that can be borrowed is $50,000.
- Maximum limit — $2,000,000.00The maximum application amount available under this product is $2,000,000.
Published by MCCA under the Consumer Data Right · Last updated 1 July 2026 · Product ID amlak-premium-offset