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Home loan · 1yr Fixed

Offset Home Loan Fixed

Rate
Deposit

6.87%comparison rate p.a. · 7.04% advertised

1yr Fixed · P&I · Owner-occupier · 80–90% LVR

35th of 50 1-year fixed owner-occupier P&I loans

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The same choices at every rate type

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.

Offset account
Yes
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
$17 a month
Discharge fee
$275
Compare all 321 home loans
Compare Bank Australia Offset side by side

1yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.60% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.60% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.65% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.87% comparison · 7.04% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.31% comparison · 7.04% advertised
2yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.65% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.65% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.69% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.91% comparison · 7.04% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.31% comparison · 7.09% advertised
3yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.71% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.71% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.75% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.98% comparison · 7.19% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.34% comparison · 7.19% advertised
5yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.84% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.84% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.87% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
7.12% comparison · 7.29% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.39% comparison · 7.29% advertised

Application fee
None
Ongoing fee
$17 a month
Discharge fee
$275
Offset account fee
None

Offset account
Yes
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
Yes

Minimum loan
$10,000

  • Offset Home Loan Fixed · 1yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00SepOctToday6.60% p.a. today

October 20261 change

  1. 16Fri
    • 20 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%
      All P&I · Owner-occupier
      1yr Fixed · ≤60% LVR6.386.60+0.22
      1yr Fixed · 60–70% LVR6.386.60+0.22
      1yr Fixed · 70–80% LVR6.436.65+0.22
      1yr Fixed · 80–90% LVR6.646.87+0.23
      1yr Fixed · 90–95% LVR7.097.31+0.22
      2yr Fixed · ≤60% LVR6.456.65+0.20
      2yr Fixed · 60–70% LVR6.456.65+0.20
      2yr Fixed · 70–80% LVR6.496.69+0.20
      2yr Fixed · 80–90% LVR6.716.91+0.20
      2yr Fixed · 90–95% LVR7.117.31+0.20
      3yr Fixed · ≤60% LVR6.546.71+0.17
      3yr Fixed · 60–70% LVR6.546.71+0.17
      3yr Fixed · 70–80% LVR6.576.75+0.18
      3yr Fixed · 80–90% LVR6.816.98+0.17
      3yr Fixed · 90–95% LVR7.167.34+0.18
      5yr Fixed · ≤60% LVR6.706.84+0.14
      5yr Fixed · 60–70% LVR6.706.84+0.14
      5yr Fixed · 70–80% LVR6.736.87+0.14
      5yr Fixed · 80–90% LVR6.987.12+0.14
      5yr Fixed · 90–95% LVR7.257.39+0.14
      +0.14 to +0.23

September 20261 change

  1. 19Sat
    • 20 variants up 0.04 to 0.18
      All P&I · Owner-occupier
      1yr Fixed · ≤60% LVR6.346.38+0.04
      1yr Fixed · 60–70% LVR6.346.38+0.04
      1yr Fixed · 70–80% LVR6.386.43+0.05
      1yr Fixed · 80–90% LVR6.606.64+0.04
      1yr Fixed · 90–95% LVR7.057.09+0.04
      2yr Fixed · ≤60% LVR6.376.45+0.08
      2yr Fixed · 60–70% LVR6.376.45+0.08
      2yr Fixed · 70–80% LVR6.416.49+0.08
      2yr Fixed · 80–90% LVR6.636.71+0.08
      2yr Fixed · 90–95% LVR7.037.11+0.08
      3yr Fixed · ≤60% LVR6.426.54+0.12
      3yr Fixed · 60–70% LVR6.426.54+0.12
      3yr Fixed · 70–80% LVR6.466.57+0.11
      3yr Fixed · 80–90% LVR6.696.81+0.12
      3yr Fixed · 90–95% LVR7.047.16+0.12
      5yr Fixed · ≤60% LVR6.526.70+0.18
      5yr Fixed · 60–70% LVR6.526.70+0.18
      5yr Fixed · 70–80% LVR6.556.73+0.18
      5yr Fixed · 80–90% LVR6.806.98+0.18
      5yr Fixed · 90–95% LVR7.077.25+0.18
      +0.04 to +0.18

A home loan packed with positives for future generations.

Also from Bank Australia: Basic Home Loan 6.39% · Basic Home Loan Fixed 6.42% · Basic Loan 6.59% · Basic Loan Fixed 6.61% · Offset Home Loan 6.62% · Offset Loan 6.68% · Offset Loan Fixed 6.71%

As of 2 November 2026, the Bank Australia Offset Home Loan Fixed's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.60% (6.74% advertised), ranking 26th of 50 1-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are other fixed terms and other LVR bands. Its rate 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.