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Bank Australia · Home loans
Offset Home Loan
Bank Australia's Offset Home Loan is a home loan. The figures are the ones Bank Australia publishes under the Consumer Data Right today. The advertised rate last moved on 15 October 2026, up from 6.13% to 6.38%.
Advertised rate
6.38%
headline tier
Comparison rate
6.57%
as published
Last moved
+0.25pp
15 October 2026
Advertised rate, last 30 days. Between 6.13% and 6.38% over the last 30 days.
Every current rate (5)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%LVR 60% or less | 6.38% | 6.57% |
| Variable, Owner occupier, P&I, LVR 60 to 70%LVR 70% or less | 6.38% | 6.57% |
| Variable, Owner occupier, P&I, LVR 70 to 80%LVR 80% or less | 6.43% | 6.62% |
| Variable, Owner occupier, P&I, LVR 80 to 90%LVR 90% or less | 6.64% | 6.82% |
| Variable, Owner occupier, P&I, LVR over 90% | 7.14% | 7.32% |
Rate moves, last 30 days
- 15 October 2026: 5 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 60 to 70%, from 6.13% to 6.38%.
Published fees
| Fee | Amount |
|---|---|
| Monthly Offset Account Feerecurring | $0 |
| Offset Home Loan Annual Feerecurring: Annual fee payable on all Offset Home Loans and Clean Energy Home Loans. | $199 |
| Establishment Feeupfront | $0 |
| Platinum Rewards Credit Card Annual Feerecurring: An annual fee charged on your credit card. | $189 |
| Redraw feewhen it happens | $0 |
| Portability Fee- New Mortgagewhen it happens: Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia. | $500 |
| Mortgage Discharge Feewhen it happens: Payable when you discharge the mortgage. | $275 |
| Construction Progress Inspectionwhen it happens | $0 |
| 1st Valuation Feewhen it happens | $0 |
Other Bank Australia home loans
Clean Energy Home Loan 6.13%Clean Energy Investment Loan 6.29%Basic Home Loan 6.38%Offset Investment Loan 6.49%Basic Investment Loan 6.59%Clean Energy Home Loan Fixed 6.59%Clean Energy Investment Fixed 6.64%Basic Home Loan Fixed 6.74%Offset Home Loan Fixed 6.74%Offset Investment Loan IO 6.74%Basic Investment Loan Fixed 6.79%Offset Investment Loan Fixed 6.79%
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