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If you want to avoid fees but don't want to compromise on features, then you may want to add the State Custodians Low Rate Home Loan with Offset to your comparison. If offers a 100% offset account and competitive interest rate.
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The State Custodians Low Rate Home Loan with Offset is available for both owner occupiers and investment, but not available as a construction option. Pre-approval is available in two minutes after submitting an application, and isn't recorded on your credit file.
If you would like to apply or find out more information about this loan, please click on "Go to site" to be taken to the State Custodians website.