AFG Home Loans - Align Offset Home Loans, August 2026
AFG Home Loans - Align's offset-account-eligible home loans, interest calculated on (loan − offset balance).
RBA cash rate 4.35%(effective 12 Aug 2026)|Rates updated |10,561 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in August 2026
Reviewed by the Ratesniffers Editorial Team, August 2026
AFG Home Loans - Align's sharpest offset options. Market cheapest currently sits at 5.85%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
AFG Home Loans - Align
Full Doc 75% - 80% LVR <$3m Owner Occupied P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.98%p.a.
Comparison*
—
Monthly repayment
$3,320
LVR 75–80%
*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.
AFG Home Loans - Align · Offset
AFG Home Loans - Align offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. AFG Home Loans - Align's sharpest variable currently: 6.78%.
See also AFG Home Loans - Align's full product range, repayment calculator, and offset savings calculator.