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AFG Home Loans Alpha · Home loans
AFG Alpha Offset Home Loan
AFG Alpha Offset Home Loan is a home loan. The figures are the ones AFG Home Loans Alpha publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.14% to 6.39%.
Advertised rate
6.39%
headline tier
Comparison rate
6.57%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.14% and 6.39% over the last 30 days.
Every current rate (63)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50% | 6.39% | 6.57% |
| Variable, Owner occupier, P&I, LVR 50 to 60% | 6.39% | 6.57% |
| Variable, Owner occupier, P&I, LVR 60 to 70% | 6.44% | 6.62% |
| Variable, Investor, P&I, LVR up to 50% | 6.54% | 6.72% |
| Variable, Investor, P&I, LVR 50 to 60% | 6.54% | 6.72% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.59% | 6.77% |
| Variable, Owner occupier, P&I, LVR 70 to 80% | 6.59% | 6.77% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.78% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.79% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.69% | 6.87% |
| Variable, Investor, Interest only, LVR up to 50% | 6.74% | 6.79% |
| Variable, Investor, Interest only, LVR 50 to 60% | 6.74% | 6.79% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.83% |
| Fixed 1 year, Investor, P&I, LVR up to 80% | 6.84% | 6.88% |
| Fixed 2 years, Investor, P&I, LVR up to 80% | 6.84% | 6.90% |
| Variable, Investor, Interest only, LVR 60 to 70% | 6.84% | 6.86% |
| Variable, Owner occupier, P&I, LVR 80 to 90% | 6.84% | 7.02% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 7.02% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95% | 6.89% | 7.51% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 7.03% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95% | 6.89% | 7.46% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80% | 6.89% | 6.88% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80% | 6.89% | 6.90% |
| Fixed 1 year, Investor, Interest only, LVR up to 80% | 6.94% | 6.89% |
| Fixed 2 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.91% |
| Fixed 3 years, Investor, P&I, LVR up to 80% | 6.94% | 6.94% |
| Variable, Investor, Interest only, LVR 70 to 80% | 6.94% | 6.96% |
| Variable, Investor, P&I, LVR 80 to 90% | 6.94% | 7.12% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90% | 6.99% | 7.06% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95% | 6.99% | 7.44% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90% | 7.04% | 7.13% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90% | 7.04% | 7.14% |
| Fixed 3 years, Investor, Interest only, LVR up to 80% | 7.04% | 6.96% |
| Fixed 4 years, Investor, P&I, LVR up to 80% | 7.04% | 7.00% |
| Fixed 5 years, Investor, P&I, LVR up to 80% | 7.04% | 7.02% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 90% | 7.09% | 7.11% |
| Fixed 4 years, Owner occupier, P&I, LVR 90 to 95% | 7.09% | 7.45% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% | 7.09% | 7.13% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95% | 7.09% | 7.43% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.13% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.15% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90% | 7.14% | 7.17% |
| Fixed 4 years, Investor, Interest only, LVR up to 80% | 7.14% | 7.02% |
| Fixed 5 years, Investor, Interest only, LVR up to 80% | 7.14% | 7.05% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.83% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.88% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90% | 7.24% | 7.20% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.23% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90% | 7.24% | 7.25% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80% | 7.29% | 6.96% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90% | 7.34% | 7.25% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90% | 7.34% | 7.28% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 7.07% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 7.12% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80% | 7.39% | 7.05% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80% | 7.39% | 7.11% |
| Variable, Owner occupier, P&I, LVR 90 to 95% | 7.39% | 7.56% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 90% | 7.49% | 7.20% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 90% | 7.59% | 7.28% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90% | 7.59% | 7.34% |
| Variable, Investor, Interest only, LVR 80 to 90% | 7.59% | 7.39% |
| Variable, Owner occupier, Interest only, LVR up to 80% | 7.63% | 7.21% |
| Variable, Owner occupier, Interest only, LVR 80 to 90% | 8.13% | 7.58% |
Rate moves, last 30 days
- 9 October 2026: 18 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 50%, from 6.14% to 6.39%.
- 5 October 2026: Fixed 5 years, Owner occupier, Interest only, LVR up to 80% lifted 0.25pp, from 7.14% to 7.39%.
- 5 October 2026: Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90% lifted 0.25pp, from 7.34% to 7.59%.
Published fees
| Fee | Amount |
|---|---|
| Online Redraw Feewhen it happens: Charged when completing a redraw online | $0 |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Monthly Admin Feerecurring | $15 |
| Break Cost Fee: Payable each time any of the following Break Events occur during a Fixed Rate Period: • at your request, we agree to change the Annual Percentage Rate under yo | see lender |
| Discharge Administration Feeon exit: Payable: each time we provide a partial or full discharge or release of mortgage or security interest in respect of any Mortgaged Property; and when you repay | $350 |
| Establishment Feeupfront: (Currently Waived) | $299 |
| Security Processing Feeupfront | $199 |
| Variation Feewhen it happens | $250 |
| Default Feewhen it happens: Payable each time you are in default. | $35 |
| Duplicate Feewhen it happens: Payable each time we provide you with a copy of any document we have already provided to you at your request including any statement of account. | $16.50 |
| Bank Cheque Feeper transaction | $10 |
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