Bank Australia home loans
8 home loans with 15 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Basic Home LoanNo ongoing fee6.39%
- Basic LoanNo ongoing fee–
- Offset Home LoanOffset account6.62%
- Offset LoanOffset account–
- Basic Home Loan FixedNo ongoing fee–
- Offset Home Loan FixedOffset account–
- Basic Loan FixedNo ongoing fee–
- Offset Loan FixedOffset account–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
October 20268 changes
- 16Fri
- Basic Investment Loan IO4 variants up 0.2516 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Investor
70–80% LVR 6.45 6.70 +0.25 60–70% LVR 6.45 6.70 +0.25 ≤60% LVR 6.45 6.70 +0.25 80–90% LVR 6.70 6.95 +0.25 - Basic Investment Loan4 variants up 0.2516 days after the RBA rise to 4.60%+0.25All Variable · P&I · Investor
60–70% LVR 6.34 6.59 +0.25 ≤60% LVR 6.34 6.59 +0.25 70–80% LVR 6.34 6.59 +0.25 80–90% LVR 6.59 6.84 +0.25 - Basic Home Loan5 variants up 0.2516 days after the RBA rise to 4.60%+0.25All Variable · P&I · Owner-occupier
≤60% LVR 6.13 6.38 +0.25 60–70% LVR 6.13 6.38 +0.25 70–80% LVR 6.14 6.39 +0.25 80–90% LVR 6.39 6.64 +0.25 90–95% LVR 6.65 6.90 +0.25 - Basic Home Loan Fixed20 variants up 0.13 to 0.2316 days after the RBA rise to 4.60%+0.13 to +0.23All P&I · Owner-occupier
1yr Fixed · 70–80% LVR 6.21 6.43 +0.22 1yr Fixed · 60–70% LVR 6.20 6.42 +0.22 1yr Fixed · ≤60% LVR 6.20 6.42 +0.22 2yr Fixed · 70–80% LVR 6.27 6.47 +0.20 2yr Fixed · 60–70% LVR 6.26 6.47 +0.21 2yr Fixed · ≤60% LVR 6.26 6.47 +0.21 3yr Fixed · 70–80% LVR 6.36 6.54 +0.18 3yr Fixed · ≤60% LVR 6.35 6.53 +0.18 3yr Fixed · 60–70% LVR 6.35 6.53 +0.18 5yr Fixed · ≤60% LVR 6.51 6.65 +0.14 5yr Fixed · 60–70% LVR 6.51 6.65 +0.14 5yr Fixed · 70–80% LVR 6.52 6.66 +0.14 1yr Fixed · 80–90% LVR 6.46 6.69 +0.23 2yr Fixed · 80–90% LVR 6.52 6.72 +0.20 1yr Fixed · 90–95% LVR 6.69 6.92 +0.23 2yr Fixed · 90–95% LVR 6.74 6.94 +0.20 3yr Fixed · 80–90% LVR 6.62 6.80 +0.18 3yr Fixed · 90–95% LVR 6.81 6.99 +0.18 5yr Fixed · 80–90% LVR 6.80 6.93 +0.13 5yr Fixed · 90–95% LVR 6.94 7.08 +0.14 - Offset Home Loan Fixed20 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%+0.14 to +0.23All P&I · Owner-occupier
1yr Fixed · 60–70% LVR 6.38 6.60 +0.22 1yr Fixed · 70–80% LVR 6.43 6.65 +0.22 1yr Fixed · ≤60% LVR 6.38 6.60 +0.22 2yr Fixed · ≤60% LVR 6.45 6.65 +0.20 2yr Fixed · 60–70% LVR 6.45 6.65 +0.20 2yr Fixed · 70–80% LVR 6.49 6.69 +0.20 3yr Fixed · ≤60% LVR 6.54 6.71 +0.17 3yr Fixed · 60–70% LVR 6.54 6.71 +0.17 3yr Fixed · 70–80% LVR 6.57 6.75 +0.18 5yr Fixed · ≤60% LVR 6.70 6.84 +0.14 5yr Fixed · 70–80% LVR 6.73 6.87 +0.14 5yr Fixed · 60–70% LVR 6.70 6.84 +0.14 1yr Fixed · 90–95% LVR 7.09 7.31 +0.22 2yr Fixed · 80–90% LVR 6.71 6.91 +0.20 1yr Fixed · 80–90% LVR 6.64 6.87 +0.23 2yr Fixed · 90–95% LVR 7.11 7.31 +0.20 3yr Fixed · 90–95% LVR 7.16 7.34 +0.18 3yr Fixed · 80–90% LVR 6.81 6.98 +0.17 5yr Fixed · 90–95% LVR 7.25 7.39 +0.14 5yr Fixed · 80–90% LVR 6.98 7.12 +0.14 - Offset Investment Loan Fixed14 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%+0.14 to +0.23All P&I · Investor
1yr Fixed · 60–70% LVR 6.53 6.75 +0.22 1yr Fixed · ≤60% LVR 6.48 6.71 +0.23 1yr Fixed · 70–80% LVR 6.57 6.80 +0.23 2yr Fixed · 70–80% LVR 6.63 6.83 +0.20 2yr Fixed · ≤60% LVR 6.55 6.75 +0.20 2yr Fixed · 60–70% LVR 6.59 6.79 +0.20 3yr Fixed · 70–80% LVR 6.70 6.88 +0.18 3yr Fixed · ≤60% LVR 6.63 6.81 +0.18 5yr Fixed · ≤60% LVR 6.78 6.92 +0.14 5yr Fixed · 60–70% LVR 6.81 6.95 +0.14 5yr Fixed · 70–80% LVR 6.84 6.98 +0.14 2yr Fixed · 80–90% LVR 6.98 7.17 +0.19 1yr Fixed · 80–90% LVR 6.93 7.15 +0.22 3yr Fixed · 80–90% LVR 7.08 7.25 +0.17 - Offset Investment Loan4 variants up 0.24 to 0.2516 days after the RBA rise to 4.60%+0.24 to +0.25All Variable · P&I · Investor
≤60% LVR 6.43 6.68 +0.25 60–70% LVR 6.48 6.73 +0.25 70–80% LVR 6.53 6.77 +0.24 80–90% LVR 6.87 7.12 +0.25 - Basic Investment Loan Fixed IO14 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%+0.14 to +0.23All Interest Only · Investor
1yr Fixed · 70–80% LVR 6.42 6.64 +0.22 1yr Fixed · 60–70% LVR 6.42 6.64 +0.22 1yr Fixed · ≤60% LVR 6.42 6.64 +0.22 2yr Fixed · 60–70% LVR 6.49 6.69 +0.20 2yr Fixed · ≤60% LVR 6.49 6.69 +0.20 2yr Fixed · 70–80% LVR 6.49 6.69 +0.20 3yr Fixed · ≤60% LVR 6.58 6.76 +0.18 3yr Fixed · 70–80% LVR 6.58 6.76 +0.18 3yr Fixed · 60–70% LVR 6.58 6.76 +0.18 5yr Fixed · ≤60% LVR 6.76 6.90 +0.14 5yr Fixed · 60–70% LVR 6.76 6.90 +0.14 1yr Fixed · 80–90% LVR 6.67 6.90 +0.23 2yr Fixed · 80–90% LVR 6.74 6.94 +0.20 3yr Fixed · 80–90% LVR 6.85 7.03 +0.18
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Bank Australia home loans
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As of 1 November 2026, Bank Australia has eight home loan products in 126 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.39% (Basic Home Loan), ranking 28th of 93 variable owner-occupier P&I loans and sitting 0.19 points below the market average of 6.58%. Its rates last moved on 16 October 2026, 16 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.