BankMate

Home loan · 1yr Fixed

Offset Loan Fixed

Rate
Repayments
Deposit

7.15%comparison rate p.a. · 7.19% advertised

1yr Fixed · P&I · Investor · 80–90% LVR

32nd of 48 1-year fixed investor P&I loans

Go to Bank Australia

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 · Investor · ≤60% LVR
6.71% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 60–70% LVR
6.75% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 70–80% LVR
6.80% comparison · 6.79% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
7.15% comparison · 7.19% advertised
1yr Fixed · Interest Only · Investor · ≤60% LVR
6.73% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 60–70% LVR
6.77% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR
6.82% comparison · 7.04% advertised
1yr Fixed · Interest Only · Investor · 80–90% LVR
7.17% comparison · 7.44% advertised
2yr Fixed · P&I · Investor · ≤60% LVR
6.75% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 60–70% LVR
6.79% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 70–80% LVR
6.83% comparison · 6.84% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
7.17% comparison · 7.19% advertised
2yr Fixed · Interest Only · Investor · ≤60% LVR
6.79% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 60–70% LVR
6.83% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR
6.87% comparison · 7.09% advertised
2yr Fixed · Interest Only · Investor · 80–90% LVR
7.22% comparison · 7.44% advertised
3yr Fixed · P&I · Investor · ≤60% LVR
6.81% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 60–70% LVR
6.84% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 70–80% LVR
6.88% comparison · 6.94% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
7.25% comparison · 7.39% advertised
3yr Fixed · Interest Only · Investor · ≤60% LVR
6.87% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 60–70% LVR
6.90% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR
6.94% comparison · 7.19% advertised
3yr Fixed · Interest Only · Investor · 80–90% LVR
7.32% comparison · 7.64% advertised
5yr Fixed · P&I · Investor · ≤60% LVR
6.92% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 60–70% LVR
6.95% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 70–80% LVR
6.98% comparison · 7.04% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
7.57% comparison · 7.39% advertised
5yr Fixed · Interest Only · Investor · ≤60% LVR
7.01% comparison · 7.29% advertised
5yr Fixed · Interest Only · Investor · 60–70% LVR
7.04% 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
No

Minimum loan
$10,000

  • Offset Loan Fixed · 1yr Fixed · P&I · Investor
  • RBA cash rate
4.005.006.007.00SepOctToday6.71% p.a. today

October 20262 changes

  1. 16Fri
    • 14 variants up 0.14 to 0.2316 days after the RBA rise to 4.60%
      All P&I · Investor
      1yr Fixed · ≤60% LVR6.486.71+0.23
      1yr Fixed · 60–70% LVR6.536.75+0.22
      1yr Fixed · 70–80% LVR6.576.80+0.23
      1yr Fixed · 80–90% LVR6.937.15+0.22
      2yr Fixed · ≤60% LVR6.556.75+0.20
      2yr Fixed · 60–70% LVR6.596.79+0.20
      2yr Fixed · 70–80% LVR6.636.83+0.20
      2yr Fixed · 80–90% LVR6.987.17+0.19
      3yr Fixed · ≤60% LVR6.636.81+0.18
      3yr Fixed · 70–80% LVR6.706.88+0.18
      3yr Fixed · 80–90% LVR7.087.25+0.17
      5yr Fixed · ≤60% LVR6.786.92+0.14
      5yr Fixed · 60–70% LVR6.816.95+0.14
      5yr Fixed · 70–80% LVR6.846.98+0.14
      +0.14 to +0.23
    • 14 variants up 0.14 to 0.2216 days after the RBA rise to 4.60%
      All Interest Only · Investor
      1yr Fixed · ≤60% LVR6.516.73+0.22
      1yr Fixed · 60–70% LVR6.556.77+0.22
      1yr Fixed · 70–80% LVR6.606.82+0.22
      1yr Fixed · 80–90% LVR6.957.17+0.22
      2yr Fixed · ≤60% LVR6.596.79+0.20
      2yr Fixed · 60–70% LVR6.636.83+0.20
      2yr Fixed · 70–80% LVR6.676.87+0.20
      2yr Fixed · 80–90% LVR7.027.22+0.20
      3yr Fixed · ≤60% LVR6.696.87+0.18
      3yr Fixed · 60–70% LVR6.726.90+0.18
      3yr Fixed · 70–80% LVR6.766.94+0.18
      3yr Fixed · 80–90% LVR7.147.32+0.18
      5yr Fixed · ≤60% LVR6.877.01+0.14
      5yr Fixed · 60–70% LVR6.907.04+0.14
      +0.14 to +0.22

September 20262 changes

  1. 19Sat
    • 15 variants up 0.04 to 0.40
      All P&I · Investor
      1yr Fixed · ≤60% LVR6.446.48+0.04
      1yr Fixed · 60–70% LVR6.496.53+0.04
      1yr Fixed · 70–80% LVR6.536.57+0.04
      1yr Fixed · 80–90% LVR6.886.93+0.05
      2yr Fixed · ≤60% LVR6.476.55+0.08
      2yr Fixed · 60–70% LVR6.516.59+0.08
      2yr Fixed · 70–80% LVR6.556.63+0.08
      2yr Fixed · 80–90% LVR6.896.98+0.09
      3yr Fixed · ≤60% LVR6.516.63+0.12
      3yr Fixed · 70–80% LVR6.586.70+0.12
      3yr Fixed · 80–90% LVR6.967.08+0.12
      5yr Fixed · ≤60% LVR6.606.78+0.18
      5yr Fixed · 60–70% LVR6.636.81+0.18
      5yr Fixed · 70–80% LVR6.666.84+0.18
      5yr Fixed · 80–90% LVR7.177.57+0.40
      +0.04 to +0.40
    • 14 variants up 0.04 to 0.18
      All Interest Only · Investor
      1yr Fixed · ≤60% LVR6.476.51+0.04
      1yr Fixed · 60–70% LVR6.516.55+0.04
      1yr Fixed · 70–80% LVR6.556.60+0.05
      1yr Fixed · 80–90% LVR6.916.95+0.04
      2yr Fixed · ≤60% LVR6.516.59+0.08
      2yr Fixed · 60–70% LVR6.556.63+0.08
      2yr Fixed · 70–80% LVR6.596.67+0.08
      2yr Fixed · 80–90% LVR6.947.02+0.08
      3yr Fixed · ≤60% LVR6.576.69+0.12
      3yr Fixed · 60–70% LVR6.616.72+0.11
      3yr Fixed · 70–80% LVR6.656.76+0.11
      3yr Fixed · 80–90% LVR7.027.14+0.12
      5yr Fixed · ≤60% LVR6.696.87+0.18
      5yr Fixed · 60–70% LVR6.726.90+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% · Offset Home Loan Fixed 6.60% · Basic Loan Fixed 6.61% · Offset Home Loan 6.62% · Offset Loan 6.68%

As of 2 November 2026, the Bank Australia Offset Loan Fixed's 1-year fixed investor P&I variant has a comparison rate of 6.71% (6.79% advertised), ranking 16th of 48 1-year fixed investor P&I loans. The product comes in 30 variants; the others are investor, interest-only, 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.