Interest
6.39%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,124
LVR ≤50%
AFG Home Loans Alpha · Offset · Updated November 2026
AFG Home Loans Alpha Offset Account Home Loans, November 2026
AFG Home Loans Alpha lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.39% p.a. (comparison rate 6.57% p.a.), on Offset Home Loan <50% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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AFG Home Loans Alpha offset home loan rates, November 2026
Interest
6.39%p.a.
Comparison*
6.57%p.a.
Est. repayment
$3,124
LVR 50 to 60%
Interest
6.44%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,141
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,223
LVR ≤50%
AFG Home Loans AlphaOffset Home Loan 1 Year Fixed 50% - 60% LVR Owner Occupied P&I
1y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,223
LVR 50 to 60%
AFG Home Loans AlphaOffset Home Loan 1 Year Fixed 60% - 70% LVR Owner Occupied P&I
1y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.69%p.a.
Comparison*
6.63%p.a.
Est. repayment
$3,223
LVR ≤50%
AFG Home Loans AlphaOffset Home Loan 2 Year Fixed 50% - 60% LVR Owner Occupied P&I
2y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.63%p.a.
Est. repayment
$3,223
LVR 50 to 60%
AFG Home Loans AlphaOffset Home Loan 2 Year Fixed 60% - 70% LVR Owner Occupied P&I
2y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,223
LVR 60 to 70%
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR ≤50%
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR 50 to 60%
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤50%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR 50 to 60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.59%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,190
LVR 60 to 70%
Interest
6.59%p.a.
Comparison*
6.77%p.a.
Est. repayment
$3,190
LVR 70 to 80%
AFG Home Loans AlphaOffset Home Loan 1 Year Fixed 70% - 80% LVR Owner Occupied P&I
1y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,223
LVR 70 to 80%
AFG Home Loans AlphaOffset Home Loan 2 Year Fixed 70% - 80% LVR Owner Occupied P&I
2y FixedOffsetRedraw
Interest
6.69%p.a.
Comparison*
6.79%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,256
LVR ≤50%
AFG Home Loans AlphaOffset Home Loan 3 Year Fixed 50% - 60% LVR Owner Occupied P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,256
LVR 50 to 60%
AFG Home Loans AlphaOffset Home Loan 3 Year Fixed 60% - 70% LVR Owner Occupied P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,256
LVR 60 to 70%
AFG Home Loans AlphaOffset Home Loan 3 Year Fixed 70% - 80% LVR Owner Occupied P&I
3y FixedOffsetRedraw
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.84%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,273
LVR ≤50%
Interest
6.84%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,273
LVR 50 to 60%
*Important Information and Comparison Rate Warning
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 Alpha · Offset
AFG Home Loans Alpha 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. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also AFG Home Loans Alpha's full product range, repayment calculator, and offset savings calculator.