Lenders › Bank Australia › Offset Home Loan Fixed
Bank Australia · Home loans
Offset Home Loan Fixed
Bank Australia's Offset Home Loan Fixed is a home loan. The figures are the ones Bank Australia publishes under the Consumer Data Right today. The advertised rate last moved on 18 September 2026, up from 6.34% to 6.74%.
Advertised rate
6.74%
headline tier
Comparison rate
6.60%
as published
Last moved
+0.40pp
18 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (20)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 1 year, Owner occupier, P&I, LVR up to 60%1 year - LVR 60% or less | 6.74% | 6.60% |
| Fixed 1 year, Owner occupier, P&I, LVR 60 to 70%1 year - LVR 70% or less | 6.74% | 6.60% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%1 year - LVR 80% or less | 6.74% | 6.65% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 60%2 years - LVR 60% or less | 6.79% | 6.65% |
| Fixed 2 years, Owner occupier, P&I, LVR 60 to 70%2 years - LVR 70% or less | 6.79% | 6.65% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%2 years - LVR 80% or less | 6.79% | 6.69% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 60%3 years - LVR 60% or less | 6.89% | 6.71% |
| Fixed 3 years, Owner occupier, P&I, LVR 60 to 70%3 years - LVR 70% or less | 6.89% | 6.71% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%3 years - LVR 80% or less | 6.89% | 6.75% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 60%5 years - LVR 60% or less | 6.99% | 6.84% |
| Fixed 5 years, Owner occupier, P&I, LVR 60 to 70%5 years - LVR 70% or less | 6.99% | 6.84% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%5 years - LVR 80% or less | 6.99% | 6.87% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90%1 year - LVR 90% or less | 7.04% | 6.87% |
| Fixed 1 year, Owner occupier, P&I, LVR over 90%1 year - LVR Over 90% | 7.04% | 7.31% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90%2 years - LVR 90% or less | 7.04% | 6.91% |
| Fixed 2 years, Owner occupier, P&I, LVR over 90%2 years - LVR Over 90% | 7.09% | 7.31% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90%3 years - LVR 90% or less | 7.19% | 6.98% |
| Fixed 3 years, Owner occupier, P&I, LVR over 90%3 years - LVR Over 90% | 7.19% | 7.34% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90%5 years - LVR 90% or less | 7.29% | 7.12% |
| Fixed 5 years, Owner occupier, P&I, LVR over 90%5 years - LVR Over 90% | 7.29% | 7.39% |
Rate moves, last 30 days
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 |
| Rate Lock Feeupfront: Payable when you choose to lock in the fixed rate at application. | see lender |
| Establishment Feeupfront | $0 |
| Platinum Rewards Credit Card Annual Feerecurring: An annual fee charged on your credit card. | $189 |
| 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 |
| Break Feewhen it happens: You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fix | see lender |
| Mortgage Discharge Feewhen it happens: Payable when you discharge the mortgage. | $275 |
| 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 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 Investment Loan IO 6.74%Basic Investment Loan Fixed 6.79%Offset Investment Loan Fixed 6.79%
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