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Bank Australia · Home loan · Variable
LiveOffset Home Loan
As of 18 September 2026, the Bank Australia Offset Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.37% (6.18% advertised), ranking 44th of 107 variable owner-occupier P&I loans and sitting 0.39 points below the market average of 6.76%. The product comes in 5 variants; the others are other LVR bands.
6.37%comparison rate p.a.
6.18% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
4 other variants: other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Offset Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.32% comparison · 6.13% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.32% comparison · 6.13% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.37% comparison · 6.18% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.58% comparison · 6.39% advertised
- Variable · P&I · Owner-occupier · 90–90% LVR
- 7.07% comparison · 6.89% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- $17 a month
- Discharge fee
- $275
- Redraw fee
- None
Features
Headline variant- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- Yes
Eligibility
- Minimum loan
- $10,000
About this product
A home loan packed with positives for future generations.