Home loan · Variable
NRMA Offset Home Loan
Rate
Loan for
Repayments
Deposit
6.53%comparison rate p.a. · 6.33% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
51st of 91 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
- $150
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Variable · P&I · Owner-occupier · ≤50% LVR
- 6.39% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 50–60% LVR
- 6.39% comparison · 6.19% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.48% comparison · 6.28% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.53% comparison · 6.33% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.78% comparison · 6.58% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.33% comparison · 7.13% advertised
- Variable · Interest Only · Owner-occupier · ≤50% LVR
- 6.85% comparison · 7.27% advertised
- Variable · Interest Only · Owner-occupier · 50–60% LVR
- 6.86% comparison · 7.29% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.93% comparison · 7.34% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.98% comparison · 7.39% advertised
- Variable · Interest Only · Owner-occupier · 80–90% LVR
- 7.23% comparison · 7.64% advertised
- Variable · P&I · Investor · ≤50% LVR
- 6.77% comparison · 6.57% advertised
- Variable · P&I · Investor · 50–60% LVR
- 6.79% comparison · 6.59% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.84% comparison · 6.64% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.89% comparison · 6.69% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.14% comparison · 6.94% advertised
- Variable · Interest Only · Investor · ≤50% LVR
- 6.91% comparison · 6.92% advertised
- Variable · Interest Only · Investor · 50–60% LVR
- 6.93% comparison · 6.94% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.98% comparison · 6.99% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 7.03% comparison · 7.04% advertised
- Variable · Interest Only · Investor · 80–90% LVR
- 7.28% comparison · 7.29% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.56% comparison · 6.59% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.80% comparison · 6.79% advertised
- 1yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.29% comparison · 6.79% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.61% comparison · 7.09% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 6.85% comparison · 7.29% advertised
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 6.89% comparison · 6.74% advertised
- 1yr Fixed · P&I · Investor · 80–90% LVR
- 7.14% comparison · 6.94% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.90% comparison · 6.84% advertised
- 1yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.15% comparison · 7.04% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.58% comparison · 6.59% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.82% comparison · 6.79% advertised
- 2yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.26% comparison · 6.79% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.68% comparison · 7.09% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 6.92% comparison · 7.29% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.90% comparison · 6.74% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 7.14% comparison · 6.94% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.91% comparison · 6.84% advertised
- 2yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.15% comparison · 7.04% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.63% comparison · 6.69% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.87% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.26% comparison · 6.89% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.77% comparison · 7.19% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 7.00% comparison · 7.39% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.93% comparison · 6.84% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 7.17% comparison · 7.04% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.95% comparison · 6.94% advertised
- 3yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.19% comparison · 7.14% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.70% comparison · 6.79% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.93% comparison · 6.99% advertised
- 4yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.27% comparison · 6.99% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.87% comparison · 7.29% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 7.10% comparison · 7.49% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 6.98% comparison · 6.94% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 7.21% comparison · 7.14% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.01% comparison · 7.04% advertised
- 4yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.24% comparison · 7.24% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤80% LVR
- 6.74% comparison · 6.79% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–90% LVR
- 6.96% comparison · 6.99% advertised
- 5yr Fixed · P&I · Owner-occupier · 90–95% LVR
- 7.26% comparison · 6.99% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 6.94% comparison · 7.29% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR
- 7.17% comparison · 7.49% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 7.00% comparison · 6.94% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 7.23% comparison · 7.14% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.03% comparison · 7.04% advertised
- 5yr Fixed · Interest Only · Investor · 80–90% LVR
- 7.26% comparison · 7.24% advertised
- Application fee
- $150
- Ongoing fee
- $15 a month
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $50,000
- NRMA Offset Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
- NRMA Offset Home Loan66 variants up 0.13 to 0.269 days after the RBA rise to 4.60%+0.13 to +0.26
Variable · P&I · Owner-occupier · ≤50% LVR 6.14 6.39 +0.25 Variable · P&I · Owner-occupier · 50–60% LVR 6.14 6.39 +0.25 Variable · P&I · Owner-occupier · 60–70% LVR 6.23 6.48 +0.25 Variable · P&I · Owner-occupier · 70–80% LVR 6.28 6.53 +0.25 Variable · P&I · Owner-occupier · 80–90% LVR 6.53 6.78 +0.25 Variable · P&I · Owner-occupier · 90–95% LVR 7.08 7.33 +0.25 Variable · Interest Only · Owner-occupier · ≤50% LVR 6.59 6.85 +0.26 Variable · Interest Only · Owner-occupier · 50–60% LVR 6.60 6.86 +0.26 Variable · Interest Only · Owner-occupier · 60–70% LVR 6.68 6.93 +0.25 Variable · Interest Only · Owner-occupier · 70–80% LVR 6.73 6.98 +0.25 Variable · Interest Only · Owner-occupier · 80–90% LVR 6.98 7.23 +0.25 Variable · P&I · Investor · ≤50% LVR 6.52 6.77 +0.25 Variable · P&I · Investor · 50–60% LVR 6.54 6.79 +0.25 Variable · P&I · Investor · 60–70% LVR 6.59 6.84 +0.25 Variable · P&I · Investor · 70–80% LVR 6.64 6.89 +0.25 Variable · P&I · Investor · 80–90% LVR 6.89 7.14 +0.25 Variable · Interest Only · Investor · ≤50% LVR 6.66 6.91 +0.25 Variable · Interest Only · Investor · 50–60% LVR 6.68 6.93 +0.25 Variable · Interest Only · Investor · 60–70% LVR 6.73 6.98 +0.25 Variable · Interest Only · Investor · 70–80% LVR 6.78 7.03 +0.25 Variable · Interest Only · Investor · 80–90% LVR 7.03 7.28 +0.25 1yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.34 6.56 +0.22 1yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.58 6.80 +0.22 1yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.07 7.29 +0.22 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.38 6.61 +0.23 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.63 6.85 +0.22 1yr Fixed · P&I · Investor · ≤80% LVR 6.67 6.89 +0.22 1yr Fixed · P&I · Investor · 80–90% LVR 6.92 7.14 +0.22 1yr Fixed · Interest Only · Investor · ≤80% LVR 6.68 6.90 +0.22 1yr Fixed · Interest Only · Investor · 80–90% LVR 6.92 7.15 +0.23 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.38 6.58 +0.20 2yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.62 6.82 +0.20 2yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.06 7.26 +0.20 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.48 6.68 +0.20 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.72 6.92 +0.20 2yr Fixed · P&I · Investor · ≤80% LVR 6.70 6.90 +0.20 2yr Fixed · P&I · Investor · 80–90% LVR 6.94 7.14 +0.20 2yr Fixed · Interest Only · Investor · ≤80% LVR 6.71 6.91 +0.20 2yr Fixed · Interest Only · Investor · 80–90% LVR 6.95 7.15 +0.20 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.46 6.63 +0.17 3yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.69 6.87 +0.18 3yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.08 7.26 +0.18 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.59 6.77 +0.18 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.83 7.00 +0.17 3yr Fixed · P&I · Investor · ≤80% LVR 6.76 6.93 +0.17 3yr Fixed · P&I · Investor · 80–90% LVR 6.99 7.17 +0.18 3yr Fixed · Interest Only · Investor · ≤80% LVR 6.77 6.95 +0.18 3yr Fixed · Interest Only · Investor · 80–90% LVR 7.01 7.19 +0.18 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.54 6.70 +0.16 4yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.78 6.93 +0.15 4yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.12 7.27 +0.15 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.71 6.87 +0.16 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.94 7.10 +0.16 4yr Fixed · P&I · Investor · ≤80% LVR 6.83 6.98 +0.15 4yr Fixed · P&I · Investor · 80–90% LVR 7.06 7.21 +0.15 4yr Fixed · Interest Only · Investor · ≤80% LVR 6.85 7.01 +0.16 4yr Fixed · Interest Only · Investor · 80–90% LVR 7.08 7.24 +0.16 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.60 6.74 +0.14 5yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.83 6.96 +0.13 5yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.13 7.26 +0.13 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.79 6.94 +0.15 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 7.03 7.17 +0.14 5yr Fixed · P&I · Investor · ≤80% LVR 6.86 7.00 +0.14 5yr Fixed · P&I · Investor · 80–90% LVR 7.09 7.23 +0.14 5yr Fixed · Interest Only · Investor · ≤80% LVR 6.89 7.03 +0.14 5yr Fixed · Interest Only · Investor · 80–90% LVR 7.12 7.26 +0.14 - NRMA Offset Home Loan45 variants up 0.01 to 0.125 days after the RBA rise to 4.60%+0.01 to +0.12
1yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.32 6.34 +0.02 1yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.57 6.58 +0.01 1yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.06 7.07 +0.01 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.37 6.38 +0.01 1yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.62 6.63 +0.01 1yr Fixed · P&I · Investor · ≤80% LVR 6.66 6.67 +0.01 1yr Fixed · P&I · Investor · 80–90% LVR 6.91 6.92 +0.01 1yr Fixed · Interest Only · Investor · ≤80% LVR 6.67 6.68 +0.01 1yr Fixed · Interest Only · Investor · 80–90% LVR 6.91 6.92 +0.01 2yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.37 6.38 +0.01 2yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.61 6.62 +0.01 2yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.05 7.06 +0.01 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.47 6.48 +0.01 2yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.71 6.72 +0.01 2yr Fixed · P&I · Investor · ≤80% LVR 6.69 6.70 +0.01 2yr Fixed · P&I · Investor · 80–90% LVR 6.93 6.94 +0.01 2yr Fixed · Interest Only · Investor · ≤80% LVR 6.70 6.71 +0.01 2yr Fixed · Interest Only · Investor · 80–90% LVR 6.94 6.95 +0.01 3yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.40 6.46 +0.06 3yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.63 6.69 +0.06 3yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.02 7.08 +0.06 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.53 6.59 +0.06 3yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.77 6.83 +0.06 3yr Fixed · P&I · Investor · ≤80% LVR 6.70 6.76 +0.06 3yr Fixed · P&I · Investor · 80–90% LVR 6.93 6.99 +0.06 3yr Fixed · Interest Only · Investor · ≤80% LVR 6.72 6.77 +0.05 3yr Fixed · Interest Only · Investor · 80–90% LVR 6.95 7.01 +0.06 4yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.45 6.54 +0.09 4yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.68 6.78 +0.10 4yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.03 7.12 +0.09 4yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.62 6.71 +0.09 4yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.85 6.94 +0.09 4yr Fixed · P&I · Investor · ≤80% LVR 6.73 6.83 +0.10 4yr Fixed · P&I · Investor · 80–90% LVR 6.96 7.06 +0.10 4yr Fixed · Interest Only · Investor · ≤80% LVR 6.76 6.85 +0.09 4yr Fixed · Interest Only · Investor · 80–90% LVR 6.99 7.08 +0.09 5yr Fixed · P&I · Owner-occupier · ≤80% LVR 6.49 6.60 +0.11 5yr Fixed · P&I · Owner-occupier · 80–90% LVR 6.71 6.83 +0.12 5yr Fixed · P&I · Owner-occupier · 90–95% LVR 7.02 7.13 +0.11 5yr Fixed · Interest Only · Owner-occupier · ≤80% LVR 6.68 6.79 +0.11 5yr Fixed · Interest Only · Owner-occupier · 80–90% LVR 6.91 7.03 +0.12 5yr Fixed · P&I · Investor · ≤80% LVR 6.75 6.86 +0.11 5yr Fixed · P&I · Investor · 80–90% LVR 6.98 7.09 +0.11 5yr Fixed · Interest Only · Investor · ≤80% LVR 6.78 6.89 +0.11 5yr Fixed · Interest Only · Investor · 80–90% LVR 7.01 7.12 +0.11
Tracked since 25 September 2026. Our own corrections of a misread figure aren't shown.
For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.
Also from NRMA Home Loans: NRMA Basic Home Loan 6.37%
As of 15 October 2026, the NRMA Home Loans NRMA Offset Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.53% (6.33% advertised), ranking 51st of 91 variable owner-occupier P&I loans and sitting 0.01 points below the market average of 6.54%. The product comes in 66 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.