Yes, definitely not as full fat features wise as others, but it offers the basics that you actually need and gives you a cheaper rate because of it, I think it took 2-3 weeks for full approval as they organise someone to go out and inspect the place/do their own valuations etc as part of the process. Mines with loans.com.au, no credit card included (unless you count the visa debit card thats tied directly to your offset which I wouldn't), but has 100% offset account and a low rate with no yearly fees, that's exactly what I was looking for. Credit card is sorted by just getting a zero yearly fee 55day card from what ever bank suits and paying it in full when due.