Mortgage Offset Account.

Access your cash. Reduce your interest repayments.

The Mortgage Offset Account can be used as a full transaction or savings account which is linked to an eligible variable home or investment loan. The balance in this account is offset against your loan balance, reducing the interest payable on that loan and helping you save interest and pay off your loan sooner.


24/7 access to funds for everyday expenses via Internet, Mobile or Telephone Banking, using a Visa Debit Card or Cheque Book or personally over the counter during business hours.



Open and link multiple offset accounts.1

Contactless payments.

Load your Beyond Bank Visa Debit Card to your phone to make fast and easy transactions using your digital wallet.

Still have questions about our home loans?

If you would like to know more about the home loan process, have a chat with one of our experienced loan specialists today.
Talk to a home loan specialist
Check out the most frequently asked questions about home loans.
Visit FAQs
Our friendly Customer Relationship Centre staff are here to assist you. Monday - Friday 8.00am - 8.00pm, Saturday 9.00am - 3.00pm ACST.
Call us / 13 25 85

Instant access with award winning banking.*

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*Awarded Canstar Customer-Owned Bank of the Year for Mobile Banking and Internet Banking 2016, 2017, 2018, 2019 and 2020 and Mozo Expert Choice 2019 for Excellent Banking App.

100% Offset is only available on Variable Rate Home Loans. 

The above information has been prepared without taking account of your objectives, financial situation or need. Before acquiring this product, you should consider its appropriateness for you, having regard to your objectives, financial situation and needs.

All applications for credit are subject to Beyond Bank’s credit assessment criteria. Terms and conditions are available on request. Fees and charges apply. This information is available on our website at, by calling us on 13 25 85 to request a copy or by visiting a branch.

All loans are provided by Beyond Bank Australia Ltd ABN 15 087 651 143 AFSL/Australian Credit Licence 237856. © 2024.

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You can open a new account quickly and easily using Internet Banking.

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Salary Packaging Customers can open a new account quickly and easily using Internet Banking.