Home loan · Variable
Offset Variable HL>70-80
6.63%comparison rate p.a. · 6.60% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
61st of 93 variable owner-occupier 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
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.63% comparison · 6.60% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $395
- Valuation fee
- None
- Redraw fee
- None
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Maximum loan
- $5,000,000
- Offset Variable HL>70-80 · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 14Wed
- Variable owner-occupier P&I 6.38 → 6.6314 days after the RBA rise to 4.60%+0.25
A low variable rate home loan, with the added feature of a 100% offset account for owner occupiers.
Also from P&N: Offset Variable HL 6.45% · Basic Variable HL 6.47% · Fixed Home Loan 6.56% · Basic 6.57% · Offset 6.60%
As of 1 November 2026, the P&N Offset Variable HL>70-80's variable owner-occupier P&I variant has a comparison rate of 6.63% (6.60% advertised), ranking 61st of 93 variable owner-occupier P&I loans and sitting 0.05 points above the market average of 6.58%. Its rate last moved on 14 October 2026, 14 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.