🏦
Best with Offset
Home loans with offset accounts, ranked by comparison rate
🏦
Best with Offset
#1
#1
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%
5.80% adv
Details
🏘️
Essential Worker Home Loan - Owner Occupier
Unity Bank
5.85%5.80% adv
+
Rate Details
Advertised rate5.80%
Comparison rate5.85%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#2
#2
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%
6.68% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.86%6.68% adv
+
Rate Details
Advertised rate6.68%
Comparison rate5.86%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#3
#3
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%
5.90% adv
Details
🏘️
QLD BOOST TO BUY
Unity Bank
5.93%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.93%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#4
#4
🏘️
Vic Homebuyer Fund
Unity Bank
5.93%
5.90% adv
Details
🏘️
Vic Homebuyer Fund
Unity Bank
5.93%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.93%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#5
#5
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%
5.90% adv
Details
🏘️
First Home Buyer Loan - Owner Occupied - SO
Unity Bank
5.95%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#6
#6
🏘️
Australian Government 5% Deposit Scheme
Unity Bank
5.95%
5.90% adv
Details
🏘️
Australian Government 5% Deposit Scheme
Unity Bank
5.95%5.90% adv
+
Rate Details
Advertised rate5.90%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application fee$200
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
🏡First home buyer eligible
#7
#7
⬆️
Up Home Loan
Up
5.95%
Details
⬆️
Up Home Loan
Up
5.95%
+
Rate Details
Advertised rate5.95%
Comparison rate5.95%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#8
#8
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.96%
6.78% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
5.96%6.78% adv
+
Rate Details
Advertised rate6.78%
Comparison rate5.96%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#9
#9
🏦
Real Deal Home Loan Principal and Interest
Newcastle Permanent
5.98%
5.94% adv
Details
🏦
Real Deal Home Loan Principal and Interest
Newcastle Permanent
5.98%5.94% adv
+
Rate Details
Advertised rate5.94%
Comparison rate5.98%
Loan typeVariable
RepaymentP&I
Fees
Application fee$595
Monthly feeNone
Discharge fee$250
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#10
#10
⬆️
Up Home Loan
Up
5.99%
6.35% adv
Details
⬆️
Up Home Loan
Up
5.99%6.35% adv
+
Rate Details
Advertised rate6.35%
Comparison rate5.99%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#11
#11
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.00%
5.99% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.00%5.99% adv
+
Rate Details
Advertised rate5.99%
Comparison rate6.00%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#12
#12
🌳
Bendigo Express Home Loan
Bendigo
6.02%
5.89% adv
Details
🌳
Bendigo Express Home Loan
Bendigo
6.02%5.89% adv
+
Rate Details
Advertised rate5.89%
Comparison rate6.02%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#13
#13
🏘️
Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO
Unity Bank
6.04%
5.99% adv
Details
🏘️
Momentum Home Loan 60LVR - Owner Occupier - Variable - P&I SO
Unity Bank
6.04%5.99% adv
+
Rate Details
Advertised rate5.99%
Comparison rate6.04%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$300
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#14
#14
⬆️
Up Home Loan
Up
6.04%
6.40% adv
Details
⬆️
Up Home Loan
Up
6.04%6.40% adv
+
Rate Details
Advertised rate6.40%
Comparison rate6.04%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#15
#15
⬆️
Up Home Loan
Up
6.06%
6.35% adv
Details
⬆️
Up Home Loan
Up
6.06%6.35% adv
+
Rate Details
Advertised rate6.35%
Comparison rate6.06%
Loan typeFixed 3yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#16
#16
🌳
Bendigo Express Home Loan
Bendigo
6.07%
6.39% adv
Details
🌳
Bendigo Express Home Loan
Bendigo
6.07%6.39% adv
+
Rate Details
Advertised rate6.39%
Comparison rate6.07%
Loan typeFixed 1yr
RepaymentP&I
Fees
Application feeFree
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#17
#17
🏦
Real Deal Home Loan Interest Only
Newcastle Permanent
6.08%
6.19% adv
Details
🏦
Real Deal Home Loan Interest Only
Newcastle Permanent
6.08%6.19% adv
+
Rate Details
Advertised rate6.19%
Comparison rate6.08%
Loan typeVariable
RepaymentIO
Fees
Application fee$595
Monthly feeNone
Discharge fee$250
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 90%
#18
#18
🏦
Special Residential Variable Loan
MyState
6.09%
6.04% adv
Details
🏦
Special Residential Variable Loan
MyState
6.09%6.04% adv
+
Rate Details
Advertised rate6.04%
Comparison rate6.09%
Loan typeVariable
RepaymentP&I
Fees
Application fee$350
Monthly feeNone
Discharge fee$380
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#19
#19
🏦
Special Residential Variable Loan
MyState
6.09%
6.04% adv
Details
🏦
Special Residential Variable Loan
MyState
6.09%6.04% adv
+
Rate Details
Advertised rate6.04%
Comparison rate6.09%
Loan typeVariable
RepaymentP&I
Fees
Application fee$350
Monthly feeNone
Discharge fee$380
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 100%
#20
#20
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.09%
6.39% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Investor)
Westpac
6.09%6.39% adv
+
Rate Details
Advertised rate6.39%
Comparison rate6.09%
Loan typeVariable
RepaymentIO
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Investor
📐Max LVR: 95%
#21
#21
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.10%
6.09% adv
Details
🏢
Flexi First : Our lowest online variable home loan rate (Owner Occupied)
Westpac
6.10%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.10%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
✅Portable
✅Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#22
#22
⬆️
Up Home Loan
Up
6.11%
6.40% adv
Details
⬆️
Up Home Loan
Up
6.11%6.40% adv
+
Rate Details
Advertised rate6.40%
Comparison rate6.11%
Loan typeFixed 4yr
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#23
#23
🏦
Regional Australia Bank Home Loan (Offset)
Regional Australia Bank
6.13%
6.10% adv
Details
🏦
Regional Australia Bank Home Loan (Offset)
Regional Australia Bank
6.13%6.10% adv
+
Rate Details
Advertised rate6.10%
Comparison rate6.13%
Loan typeVariable
RepaymentP&I
Fees
Application feeFree
Monthly feeNone
Discharge fee$395
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
📐Max LVR: 95%
#24
#24
🌳
Bendigo Express Home Loan
Bendigo
6.13%
6.44% adv
Details
🌳
Bendigo Express Home Loan
Bendigo
6.13%6.44% adv
+
Rate Details
Advertised rate6.44%
Comparison rate6.13%
Loan typeFixed 2yr
RepaymentP&I
Fees
Application feeFree
Monthly fee$10/mo
Discharge fee$350
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Owner occupier
#25
#25
🏦
STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)
easyStreet
6.14%
6.09% adv
Details
🏦
STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)
easyStreet
6.14%6.09% adv
+
Rate Details
Advertised rate6.09%
Comparison rate6.14%
Loan typeVariable
RepaymentP&I
Fees
Application fee$500
Monthly feeNone
Discharge feeFree
Features
✅Offset account
✅Redraw facility
✅Extra repayments
—Portable
—Repayment holiday
Eligibility
🏠Investor
These rankings rate every home loans on one figure. Answer a few questions to see the ones that fit you →
As of 17 September 2026, the lowest comparison rate on a home loan with an offset account tracked by BankMate is 5.85% from Unity Bank (Essential Worker Home Loan - Owner Occupier). How we rank →