Home loan · Variable
Offset Home Loan
6.29%advertised rate p.a.
Variable · P&I · Owner-occupier · ≤80% LVR
14th of 93 variable owner-occupier P&I loans
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
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Variable · P&I · Owner-occupier · ≤80% LVR
- 6.29% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 6.29% advertised
- Variable · Interest Only · Owner-occupier · ≤80% LVR
- 6.49% advertised
- Variable · P&I · Investor · ≤80% LVR
- 6.44% advertised
- Variable · P&I · Investor · ≤80% LVR
- 6.59% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 6.64% advertised
- Variable · Interest Only · Investor · ≤80% LVR
- 6.79% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.69% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 6.84% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.04% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.69% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.84% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.04% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.64% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.79% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.99% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.84% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 6.99% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.19% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- Maximum loan
- $4,000,000
- Offset Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 15Thu
- 16 variants up 0.10 to 0.3015 days after the RBA rise to 4.60%+0.10 to +0.30All ≤80% LVR
Variable · P&I · Owner-occupier 6.19 6.29 +0.10 Variable · Interest Only · Owner-occupier 6.19 6.49 +0.30 Variable · P&I · Investor 6.34 6.59 +0.25 Variable · Interest Only · Investor 6.54 6.79 +0.25 1yr Fixed · P&I · Owner-occupier 6.49 6.69 +0.20 1yr Fixed · P&I · Investor 6.64 6.84 +0.20 1yr Fixed · Interest Only · Investor 6.84 7.04 +0.20 2yr Fixed · P&I · Owner-occupier 6.49 6.69 +0.20 2yr Fixed · P&I · Investor 6.64 6.84 +0.20 2yr Fixed · Interest Only · Investor 6.84 7.04 +0.20 3yr Fixed · P&I · Owner-occupier 6.44 6.64 +0.20 3yr Fixed · P&I · Investor 6.59 6.79 +0.20 3yr Fixed · Interest Only · Investor 6.79 6.99 +0.20 5yr Fixed · P&I · Owner-occupier 6.64 6.84 +0.20 5yr Fixed · P&I · Investor 6.79 6.99 +0.20 5yr Fixed · Interest Only · Investor 6.99 7.19 +0.20
Also from MoveBank: Everyday Home Loan 6.19%
As of 1 November 2026, the MoveBank Offset Home Loan's variable owner-occupier P&I variant has a advertised rate of 6.29%, ranking 14th of 93 variable owner-occupier P&I loans and sitting 0.29 points below the market average of 6.58%. The product comes in 19 variants; the others are investor, interest-only and fixed-rate. Its rate last moved on 15 October 2026, 15 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.