Offset Home Loan Fixed

As of 18 September 2026, the Bank Australia Offset Home Loan Fixed's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.34% (6.34% advertised), ranking 14th of 49 1-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are other fixed terms and other LVR bands.

6.34%comparison rate p.a.

6.34% advertised · 1yr Fixed · P&I · Owner-occupier · 60–70% LVR

19 other variants: other fixed terms and other LVR bands below.

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Rate over time

Comparison rate · 1yr Fixed · P&I · Owner-occupier · 60–70% LVR

Offset Home Loan Fixed · 1yr Fixed · P&I · Owner-occupier
RBA cash rate

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates by variant

Comparison rate · advertised rate

1yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.34% comparison · 6.34% advertised
1yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.34% comparison · 6.34% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.38% comparison · 6.34% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.60% comparison · 6.64% advertised
1yr Fixed · P&I · Owner-occupier · 90–90% LVR: 7.05% comparison · 6.64% advertised
2yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.37% comparison · 6.39% advertised
2yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.37% comparison · 6.39% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.41% comparison · 6.39% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.63% comparison · 6.64% advertised
2yr Fixed · P&I · Owner-occupier · 90–90% LVR: 7.03% comparison · 6.69% advertised
3yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.42% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.42% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.46% comparison · 6.49% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.69% comparison · 6.79% advertised
3yr Fixed · P&I · Owner-occupier · 90–90% LVR: 7.04% comparison · 6.79% advertised
5yr Fixed · P&I · Owner-occupier · ≤60% LVR: 6.52% comparison · 6.59% advertised
5yr Fixed · P&I · Owner-occupier · 60–70% LVR: 6.52% comparison · 6.59% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR: 6.55% comparison · 6.59% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR: 6.80% comparison · 6.89% advertised
5yr Fixed · 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

Features

Headline variant

Offset account: Yes
Redraw: No
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.

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