Home loan · Variable
Offset Loan
7.12%comparison rate p.a. · 6.94% advertised
Variable · P&I · Investor · 80–90% LVR
74th of 85 variable investor P&I loans
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
- Variable · P&I · Investor · ≤60% LVR
- 6.68% comparison · 6.49% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.73% comparison · 6.54% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.77% comparison · 6.59% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.12% comparison · 6.94% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.77% comparison · 6.74% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.82% comparison · 6.79% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.87% comparison · 6.84% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.22% comparison · 7.19% 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
- No
- Minimum loan
- $10,000
- Offset Loan · Variable · P&I · Investor
- RBA cash rate
October 20262 changes
- 16Fri
- 4 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 - 4 variants up 0.2516 days after the RBA rise to 4.60%+0.25All Variable · Interest Only · Investor
≤60% LVR 6.52 6.77 +0.25 60–70% LVR 6.57 6.82 +0.25 70–80% LVR 6.62 6.87 +0.25 80–90% LVR 6.97 7.22 +0.25
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% · Offset Home Loan Fixed 6.60% · Basic Loan Fixed 6.61% · Offset Home Loan 6.62% · Offset Loan Fixed 6.71%
As of 2 November 2026, the Bank Australia Offset Loan's variable investor P&I variant has a comparison rate of 6.68% (6.49% advertised), ranking 37th of 85 variable investor P&I loans. The product comes in 8 variants; the others are investor, interest-only 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.