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NRMA Home Loans · Home loans
NRMA Offset Home Loan
NRMA Offset Home Loan is a home loan. The figures are the ones NRMA Home Loans publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 5.94% to 6.19%.
Advertised rate
6.19%
headline tier
Comparison rate
6.39%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 5.94% and 6.19% over the last 30 days.
Every current rate (66)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50% | 6.19% | 6.39% |
| Variable, Owner occupier, P&I, LVR 50 to 60% | 6.19% | 6.39% |
| Variable, Owner occupier, P&I, LVR 60 to 70% | 6.28% | 6.48% |
| Variable, Owner occupier, P&I, LVR 70 to 80% | 6.33% | 6.53% |
| Variable, Investor, P&I, LVR up to 50% | 6.57% | 6.77% |
| Variable, Owner occupier, P&I, LVR 80 to 90% | 6.58% | 6.78% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 80% | 6.59% | 6.56% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 80% | 6.59% | 6.58% |
| Variable, Investor, P&I, LVR 50 to 60% | 6.59% | 6.79% |
| Variable, Investor, P&I, LVR 60 to 70% | 6.64% | 6.84% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 80% | 6.69% | 6.63% |
| Variable, Investor, P&I, LVR 70 to 80% | 6.69% | 6.89% |
| Fixed 1 year, Investor, P&I, LVR up to 80% | 6.74% | 6.89% |
| Fixed 2 years, Investor, P&I, LVR up to 80% | 6.74% | 6.90% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 90% | 6.79% | 6.80% |
| Fixed 1 year, Owner occupier, P&I, LVR 90 to 95% | 6.79% | 7.29% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 90% | 6.79% | 6.82% |
| Fixed 2 years, Owner occupier, P&I, LVR 90 to 95% | 6.79% | 7.26% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.70% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 80% | 6.79% | 6.74% |
| Fixed 1 year, Investor, Interest only, LVR up to 80% | 6.84% | 6.90% |
| Fixed 2 years, Investor, Interest only, LVR up to 80% | 6.84% | 6.91% |
| Fixed 3 years, Investor, P&I, LVR up to 80% | 6.84% | 6.93% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 90% | 6.89% | 6.87% |
| Fixed 3 years, Owner occupier, P&I, LVR 90 to 95% | 6.89% | 7.26% |
| Variable, Investor, Interest only, LVR up to 50% | 6.92% | 6.91% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90% | 6.94% | 7.14% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90% | 6.94% | 7.14% |
| Fixed 3 years, Investor, Interest only, LVR up to 80% | 6.94% | 6.95% |
| Fixed 4 years, Investor, P&I, LVR up to 80% | 6.94% | 6.98% |
| Fixed 5 years, Investor, P&I, LVR up to 80% | 6.94% | 7.00% |
| Variable, Investor, Interest only, LVR 50 to 60% | 6.94% | 6.93% |
| Variable, Investor, P&I, LVR 80 to 90% | 6.94% | 7.14% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 90% | 6.99% | 6.93% |
| Fixed 4 years, Owner occupier, P&I, LVR 90 to 95% | 6.99% | 7.27% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 90% | 6.99% | 6.96% |
| Fixed 5 years, Owner occupier, P&I, LVR 90 to 95% | 6.99% | 7.26% |
| Variable, Investor, Interest only, LVR 60 to 70% | 6.99% | 6.98% |
| Fixed 1 year, Investor, Interest only, LVR 80 to 90% | 7.04% | 7.15% |
| Fixed 2 years, Investor, Interest only, LVR 80 to 90% | 7.04% | 7.15% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90% | 7.04% | 7.17% |
| Fixed 4 years, Investor, Interest only, LVR up to 80% | 7.04% | 7.01% |
| Fixed 5 years, Investor, Interest only, LVR up to 80% | 7.04% | 7.03% |
| Variable, Investor, Interest only, LVR 70 to 80% | 7.04% | 7.03% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 80% | 7.09% | 6.61% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 80% | 7.09% | 6.68% |
| Variable, Owner occupier, P&I, LVR 90 to 95% | 7.13% | 7.33% |
| Fixed 3 years, Investor, Interest only, LVR 80 to 90% | 7.14% | 7.19% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90% | 7.14% | 7.21% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90% | 7.14% | 7.23% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 80% | 7.19% | 6.77% |
| Fixed 4 years, Investor, Interest only, LVR 80 to 90% | 7.24% | 7.24% |
| Fixed 5 years, Investor, Interest only, LVR 80 to 90% | 7.24% | 7.26% |
| Variable, Owner occupier, Interest only, LVR up to 50% | 7.27% | 6.85% |
| Fixed 1 year, Owner occupier, Interest only, LVR 80 to 90% | 7.29% | 6.85% |
| Fixed 2 years, Owner occupier, Interest only, LVR 80 to 90% | 7.29% | 6.92% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 80% | 7.29% | 6.87% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 80% | 7.29% | 6.94% |
| Variable, Owner occupier, Interest only, LVR 50 to 60% | 7.29% | 6.86% |
| Variable, Investor, Interest only, LVR 80 to 90% | 7.29% | 7.28% |
| Variable, Owner occupier, Interest only, LVR 60 to 70% | 7.34% | 6.93% |
| Fixed 3 years, Owner occupier, Interest only, LVR 80 to 90% | 7.39% | 7.00% |
| Variable, Owner occupier, Interest only, LVR 70 to 80% | 7.39% | 6.98% |
| Fixed 4 years, Owner occupier, Interest only, LVR 80 to 90% | 7.49% | 7.10% |
| Fixed 5 years, Owner occupier, Interest only, LVR 80 to 90% | 7.49% | 7.17% |
| Variable, Owner occupier, Interest only, LVR 80 to 90% | 7.64% | 7.23% |
Rate moves, last 30 days
- 9 October 2026: 20 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 50 to 60%, from 5.94% to 6.19%.
Published fees
| Fee | Amount |
|---|---|
| Establishment Feeupfront | $150 |
| Application Feeupfront | $0 |
| Security Processing Feeupfront | $0 |
| Settlement Service Feeupfront | $345.40 |
| Monthly Service Feerecurring | $15 |
| Bank Cheque Feewhen it happens | $10 |
| Online Redraw Feewhen it happens | $0 |
| Manual Redraw Feewhen it happens: Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | $0 |
| Duplicate Feewhen it happens | $16.50 |
| Default Feewhen it happens | $35 |
| Variation Feewhen it happens | $250 |
| Discharge Administration Feeon exit | $350 |
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