BankMate

Home loan · Variable

Offset Variable

Loan for
Repayments
Deposit

6.60%comparison rate p.a. · 6.54% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

61st of 91 variable owner-occupier P&I loans

Go to Great Southern Bank

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
Yes
Extra repayments
Yes
Application fee
$600
Ongoing fee
None
Discharge fee
$500
Compare all 311 home loans

Variable · P&I · Owner-occupier · ≤70% LVR
6.45% comparison · 6.39% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.60% comparison · 6.54% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.90% comparison · 6.84% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.35% comparison · 7.29% advertised
Variable · Interest Only · Owner-occupier · ≤70% LVR
6.65% comparison · 7.09% advertised
Variable · Interest Only · Owner-occupier · 70–80% LVR
6.88% comparison · 7.49% advertised
Variable · Interest Only · Owner-occupier · 80–90% LVR
7.17% comparison · 7.74% advertised
Variable · P&I · Investor · ≤70% LVR
6.66% comparison · 6.60% advertised
Variable · P&I · Investor · 70–80% LVR
6.75% comparison · 6.69% advertised
Variable · P&I · Investor · 80–90% LVR
7.05% comparison · 6.99% advertised
Variable · Interest Only · Investor · ≤70% LVR
6.75% comparison · 6.79% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.89% comparison · 6.99% advertised
Variable · Interest Only · Investor · 80–90% LVR
7.23% comparison · 7.39% advertised

Application fee
$600
Ongoing fee
None
Discharge fee
$500
Redraw fee
None

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

Minimum loan
$100,000
Maximum loan
$5,000,000

  • Offset Variable · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00AugSepToday6.60% p.a. today
  1. Offset Variable Investment P&Iapplication fee $0 → $600 on 3 variants
    All Variable · P&I · Investor
    ≤70% LVR$0$600+$600
    70–80% LVR$0$600+$600
    80–90% LVR$0$600+$600
    +$600
  2. Offset Variable OO P&I4 variants up 0.258 days after the RBA rise to 4.60%
    All Variable · P&I · Owner-occupier
    ≤70% LVR6.206.45+0.25
    70–80% LVR6.356.60+0.25
    80–90% LVR6.656.90+0.25
    90–95% LVR7.107.35+0.25
    +0.25
  3. Offset Variable OO P&Iapplication fee $0 → $600 on 4 variants
    All Variable · P&I · Owner-occupier
    ≤70% LVR$0$600+$600
    70–80% LVR$0$600+$600
    80–90% LVR$0$600+$600
    90–95% LVR$0$600+$600
    +$600
  4. Offset Variable Investment IOapplication fee $0 → $600 on 3 variants
    All Variable · Interest Only · Investor
    ≤70% LVR$0$600+$600
    70–80% LVR$0$600+$600
    80–90% LVR$0$600+$600
    +$600
  5. Offset Variable OO IOapplication fee $0 → $600 on 3 variants
    All Variable · Interest Only · Owner-occupier
    ≤70% LVR$0$600+$600
    70–80% LVR$0$600+$600
    80–90% LVR$0$600+$600
    +$600
  6. Offset Variable Investment IO3 variants up 0.25 to 0.267 days after the RBA rise to 4.60%
    All Variable · Interest Only · Investor
    ≤70% LVR6.496.75+0.26
    70–80% LVR6.636.89+0.26
    80–90% LVR6.987.23+0.25
    +0.25 to +0.26
  1. Offset Variable OO IO3 variants up 0.25 to 0.267 days after the RBA rise to 4.60%
    All Variable · Interest Only · Owner-occupier
    ≤70% LVR6.406.65+0.25
    70–80% LVR6.636.88+0.25
    80–90% LVR6.917.17+0.26
    +0.25 to +0.26
  2. Offset Variable Investment P&I3 variants up 0.257 days after the RBA rise to 4.60%
    All Variable · P&I · Investor
    ≤70% LVR6.416.66+0.25
    70–80% LVR6.506.75+0.25
    80–90% LVR6.807.05+0.25
    +0.25

Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.

A premium home loan complete with 100% offset and a competitive rate. Get to your property destination faster while saving on interest.

Also from Great Southern Bank: Basic Variable 6.55% · Fixed Rate 7.65%

As of 15 October 2026, the Great Southern Bank Offset Variable's variable owner-occupier P&I variant has a comparison rate of 6.60% (6.54% advertised), ranking 61st of 91 variable owner-occupier P&I loans and sitting 0.06 points above the market average of 6.54%. The product comes in 13 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 8 October 2026, 8 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.