Offset Home Loans, June 2026
Home loans with a 100% offset account — every dollar in offset reduces the interest you pay, sorted by comparison rate.
Rates updated |1,299 products|85+ Australian lenders
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Bendigo Complete Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.49%p.a.
Comparison*
5.53%p.a.
Monthly repayment
$2,836
LVR 60–80%
OnlineME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Aggregate split refi loans to meet $700k minimum (same customer, same submission)
- Mixed refi + purchase apps eligible — one $3k per application
- Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.89%p.a.
Comparison*
5.94%p.a.
Monthly repayment
$2,962
LVR 70–80%
OnlineVirgin Money Loaded Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.00%p.a.
Comparison*
—
Monthly repayment
$2,998
LVR 70–80%
OnlineANZ Plus Home Loan Variable
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.00%p.a.
Verify — 73d old
Comparison*
6.01%p.a.
Monthly repayment
$2,998
LVR —
Offset Home Loan LVR >60-80
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR —
myBlue Deposit Scheme Variable O/Occ P+I (up to 98% LVR)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.09%p.a.
Monthly repayment
$3,027
LVR —
Standard Variable Plus
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
48d ago
Comparison*
6.10%p.a.
Monthly repayment
$2,978
LVR ≤80%
Standard Variable (Package)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,027
LVR 70–80%
Special Residential Variable Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR 71–80%
NRMA Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$2,978
LVR 70–80%
Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$3,043
LVR 70–80%
Offset Variable Rate Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$3,043
LVR —
OnlineTiimely Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.21%p.a.
Monthly repayment
$3,011
LVR 70–80%
Digi Home Loan (Owner Occupied)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,027
LVR 70–80%
Offset Variable HL LVR>90-95
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,059
LVR —
Regional Australia Bank Home Loan (Offset)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.22%p.a.
Comparison*
—
Monthly repayment
$3,069
LVR 70–80%
TOPLINE HOME LOAN
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,075
LVR ≤80%
AFG Alpha Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
38d ago
Comparison*
6.27%p.a.
Monthly repayment
$3,027
LVR 70–80%
Mortgage Breaker Owner Occupied
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,011
LVR 70–90%
OnlineLaunchpad Home Loan - Owner Occupied 80% LVR
Owner-occupierVariableP&IOffsetRedraw
Interest
6.26%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,082
LVR ≤80%
Discount Plus Home Loan (with Principal and Interest Repayment)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.93%p.a.
25d ago
Comparison*
6.31%p.a.
Monthly repayment
$2,975
LVR —
Firefighters Mutual Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
41d ago
Comparison*
6.34%p.a.
Monthly repayment
$3,011
LVR 70–80%
Health Professionals Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
41d ago
Comparison*
6.34%p.a.
Monthly repayment
$3,011
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.34%p.a.
Monthly repayment
$3,027
LVR 70–80%
OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.35%p.a.
Comparison*
—
Monthly repayment
$3,111
LVR —
OnlineFlex - Variable OO P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,043
LVR 70–80%
Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.29%p.a.
Comparison*
6.41%p.a.
Monthly repayment
$3,092
LVR ≤80%
Orange Advantage
Owner-occupierVariableP&IOffsetRedraw
Interest
6.14%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,043
LVR —
Total Home Loan Package
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,027
LVR —
*Important Information and Comparison Rate Warning
This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.