---
title: "Home loans with an offset account compared"
description: "Variable owner-occupier loans that come with a full offset account attached."
canonical: https://www.cdrcompare.au/comparisons/offset-home-loans
source: "CDR Compare"
language: en-AU
---

# Home loans with an offset account

> Variable owner-occupier loans that come with a full offset account attached.

These are starting points, not recommendations. Products are never ranked or scored, providers are listed alphabetically within each set, and nothing here is financial advice.

## Side by side

| Product | Provider | Headline | Detail |
| --- | --- | --- | --- |
| Offset Variable OO P&I | Great Southern Bank | From (owner occupied): 8.2% | https://www.cdrcompare.au/brands/great-southern-bank/products/4200-0111 |
| Orange Advantage | ING BANK (Australia) Ltd | From (owner occupied): 6.14% | https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9 |
| Macquarie Offset Home Loan | Macquarie Bank Limited | From (owner occupied): 6.04% | https://www.cdrcompare.au/brands/macquarie-bank-limited/products/LN001MBLSTD001 |
| Rocket Loan : Variable Home Loan with Offset (Owner Occupied) | Westpac | From (owner occupied): 6.39% | https://www.cdrcompare.au/brands/westpac/products/HLVariableOffsetOwnerOccupied |

### Offset Variable OO P&I — Great Southern Bank

A premium home loan complete with 100% offset and a competitive rate. Get to your property destination faster while saving on interest.

- **From (owner occupied):** 8.2% (6.3% comparison)

Full detail: https://www.cdrcompare.au/brands/great-southern-bank/products/4200-0111.md

### Orange Advantage — ING BANK (Australia) Ltd

Includes a 100% interest offset when linked to our Orange Everyday bank account.

- **From (owner occupied):** 6.14% (6.43% comparison)

Full detail: https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9.md

### Macquarie Offset Home Loan — Macquarie Bank Limited

The Macquarie offset home loan package is designed to reduce your interest repayments, bucket your savings and access your savings without additional fees.

- **From (owner occupied):** 6.04% (6.29% comparison)

Full detail: https://www.cdrcompare.au/brands/macquarie-bank-limited/products/LN001MBLSTD001.md

### Rocket Loan : Variable Home Loan with Offset (Owner Occupied) — Westpac

You could save on home loan interest with up to 10 offset accounts, and unlimited extra repayments.

- **From (owner occupied):** 6.39% (6.77% comparison)

Full detail: https://www.cdrcompare.au/brands/westpac/products/HLVariableOffsetOwnerOccupied.md

## Category

Home Loans. Every provider that publishes in this category is in the directory at https://www.cdrcompare.au/.

## A different mix

This exact set is editable at https://www.cdrcompare.au/compare?p=great-southern-bank:4200-0111,ing-bank-australia-ltd:9b408eec-e2ff-4c65-a19f-d72fbaa181f9,macquarie-bank-limited:LN001MBLSTD001,westpac:HLVariableOffsetOwnerOccupied — swap any product for another provider's.

---

Source: [CDR Compare](https://www.cdrcompare.au/comparisons/offset-home-loans) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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