Offset Investment Loan Fixed IO

As of 18 September 2026, the Bank Australia Offset Investment Loan Fixed IO's 1-year fixed investor interest-only variant has a comparison rate of 6.47% (6.64% advertised), ranking 5th of 44 1-year fixed investor interest-only loans. The product comes in 14 variants; the others are investor, interest-only, other fixed terms and other LVR bands.

6.47%comparison rate p.a.

6.64% advertised · 1yr Fixed · Interest Only · Investor · ≤60% LVR

13 other variants: investor, interest-only, other fixed terms and other LVR bands below.

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Rate over time

Comparison rate · 1yr Fixed · Interest Only · Investor · ≤60% LVR

Offset Investment Loan Fixed IO · 1yr Fixed · Interest Only · Investor
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 · Interest Only · Investor · ≤60% LVR: 6.47% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · 60–70% LVR: 6.51% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR: 6.55% comparison · 6.64% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR: 6.91% comparison · 7.04% advertised
2yr Fixed · Interest Only · Investor · ≤60% LVR: 6.51% comparison · 6.69% advertised
2yr Fixed · Interest Only · Investor · 60–70% LVR: 6.55% comparison · 6.69% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR: 6.59% comparison · 6.69% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR: 6.94% comparison · 7.04% advertised
3yr Fixed · Interest Only · Investor · ≤60% LVR: 6.57% comparison · 6.79% advertised
3yr Fixed · Interest Only · Investor · 60–70% LVR: 6.61% comparison · 6.79% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR: 6.65% comparison · 6.79% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR: 7.02% comparison · 7.24% advertised
5yr Fixed · Interest Only · Investor · ≤60% LVR: 6.69% comparison · 6.89% advertised
5yr Fixed · Interest Only · Investor · 60–70% LVR: 6.72% 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: No

Eligibility

Minimum loan: $10,000

About this product

A home loan packed with positives for future generations.

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