Your home loan with 100% offset account and no annual fees

4.39% p.a.

Standard variable

4.41% p.a.

Comparison rate

100% offset account available

Free unlimited transactions

Internet and phone banking


Direct Debit/Salary Crediting


ATM withdrawals

Up to 40 days interest free on Visa Debit Card

Your home loan with 100% offset account and  no annual fees

A personal relationship

Your own personal Credit Adviser to review your loan portfolio and your ongoing needs

We make switching easy

We’ll make switching easy and do the leg work for you

Complicated structures

If you’re self-employed, or have company and trust structures, we’re the finance specialists


Homeowners now an extra $71,000 richer (on average!)

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Why offset accounts are hitting new highs

Spare cash can be tight right now (cost of living crunch, anyone?).…

We can review your loan portfolio to help you save by switching to MortgageDirect

If you’re with one of the major banks, you may be paying more than you should. With all the recent changes to the way that loans are priced, such as owner-occupied vs investment loans, it pays to have a lending specialist review your financial circumstances to ensure that you have the most competitive solution available.

At MortgageDirect, we can offer you a complimentary loan review to determine whether switching your loans could save you money, lower your repayments and build your home equity sooner.

Just talk to us.

Get your free consultation

2 + 2 = ?

Client Stories

I hadn’t looked at my home loan interest rate for years and my private banker gave me a personal loan when I wanted to buy some shares with an interest rate of 13.95%. My credit card balances had increased with the expenses of a family wedding and I was referred to Jo Carroll at MortgageDirect for a review. We’ve now consolidated our personal loan and credit cards into a new MortgageDirect home loan and we’re saving more than $2,000 a month. My wife and I recently took a long overdue holiday to New York, thanks to the team at MortgageDirect!

Steve and Donna,

I have a large portfolio of investment properties, so getting the maximum return is really important to me. With all the changes to investment interest rates over the past couple of years, the rates on some of my properties had jumped right up. Jo from MortgageDirect was able to do a complete review and get the rates down, so now I have more cashflow.


To request a copy of the Target Market Determination please contact us at or on 1300 360 999
The information provided on this website does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for your lending criteria. Fees, terms and conditions apply.