Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR 70–80%
Bank Australia Home Loan Rates
Active products
37
Lowest variable
6.13%
Lowest fixed
6.19%
Lowest comparison
6.17%
Last updated
28 July 2026
Bank Australia is a customer-owned mutual bank with a strong sustainability focus, the only Australian bank that publishes a list of industries it refuses to lend to (including fossil fuels). Its Premium Home Loan Package bundles offset and redraw, and its mortgage book funds clean-energy and conservation projects.
What is the lowest Bank Australia home loan rate?
The lowest Bank Australia variable home loan rate Ratesniffers tracks is 6.13% p.a., and the lowest fixed rate is 6.19% p.a. These figures come from the 34 Bank Australia products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Bank Australia offer?
Ratesniffers currently tracks 34 Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Bank Australia home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.13% p.a. | 6.17% p.a. | 100% |
| Variable Owner-occupier P&I | 6.13% p.a. | 6.17% p.a. | 100% |
| Variable Owner-occupier P&I | 6.13% p.a. | 6.17% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 100% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor P&I | 6.24% p.a. | 6.28% p.a. | 100% |
34 Bank Australia home loan products
Clean Energy Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR —
Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR 70–80%
Offset Home Loan Fixed
Owner-occupier3y FixedP&IOffsetExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Basic Home Loan Fixed
Owner-occupier3y FixedP&IExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Clean Energy Home Loan Fixed
Owner-occupier3y FixedP&IOffsetExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Basic Investment Loan Fixed
Investor3y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Offset Investment Loan Fixed
Investor3y FixedP&IOffsetExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Clean Energy Investment Fixed
Investor3y FixedP&IOffsetExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
Basic Investment Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Offset Investment Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Clean Energy Investment Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
Offset Home Loan Fixed
Owner-occupier1y FixedP&IOffsetExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Basic Home Loan Fixed
Owner-occupier1y FixedP&IExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Offset Home Loan Fixed
Owner-occupier2y FixedP&IOffsetExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Basic Investment Loan Fixed
Investor1y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Basic Home Loan Fixed
Owner-occupier2y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Offset Investment Loan Fixed
Investor1y FixedP&IOffsetExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Basic Investment Loan Fixed
Investor2y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Offset Investment Loan Fixed
Investor2y FixedP&IOffsetExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Offset Investment Loan IO
InvestorVariableInterest onlyOffsetExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Basic Investment Loan IO
InvestorVariableInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Offset Home Loan Fixed
Owner-occupier5y FixedP&IOffsetExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 70–80%
Basic Home Loan Fixed
Owner-occupier5y FixedP&IExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR 70–80%
Basic Investment Loan Fixed
Investor5y FixedP&IExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Offset Investment Loan Fixed IO
Investor1y FixedInterest onlyOffsetExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Basic Investment Loan Fixed IO
Investor1y FixedInterest onlyExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Offset Investment Loan Fixed
Investor5y FixedP&IOffsetExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Offset Investment Loan Fixed IO
Investor2y FixedInterest onlyOffsetExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
Basic Investment Loan Fixed IO
Investor2y FixedInterest onlyExtra repayments
Interest
6.69%p.a.
Comparison*
6.73%p.a.
Monthly repayment
$3,223
LVR 70–80%
Offset Investment Loan Fixed IO
Investor3y FixedInterest onlyOffsetExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 70–80%
Basic Investment Loan Fixed IO
Investor3y FixedInterest onlyExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR 70–80%
Offset Investment Loan Fixed IO
Investor5y FixedInterest onlyOffsetExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 60–70%
Basic Investment Loan Fixed IO
Investor5y FixedInterest onlyExtra repayments
Interest
6.89%p.a.
Comparison*
6.93%p.a.
Monthly repayment
$3,290
LVR 60–70%
Negotiate Bank Australia rates with a broker
Advertised rates aren't always the rate Bank Australia actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Bank Australia?
Bank Australia is the customer-owned bank behind the 'clean money' idea: its responsible banking policy rules out lending to fossil fuels, gambling, tobacco, live animal export and weapons. It began in 1957 as the CSIRO staff credit union, grew through mergers of more than 70 credit unions into bankmecu, and took the Bank Australia name in 2015.
It is a certified B Corp (since 2020), and its home-loan range includes discounted rates for energy-efficient homes through its Clean Energy Home Loan.
Who suits a Bank Australia home loan?
Bank Australia tends to suit borrowers who want their mortgage to sit with an ethically screened, customer-owned lender, and buyers of energy-efficient homes who can qualify for its green rate discounts. Values do not automatically mean the sharpest price, so check its position in the live table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Bank Australia home loans: frequently asked questions
What is the lowest Bank Australia home loan rate?
Bank Australia's lowest variable home loan rate is currently 6.13% p.a., and its lowest fixed rate is 6.19% p.a., based on the 34 Bank Australia products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bank Australia approves, a broker can often negotiate a sharper deal on your scenario.
How does Bank Australia's home loan rate compare to the market?
Bank Australia's lowest variable home loan rate today is 6.13% p.a., which is 4 basis points above the market median of 6.09% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Bank Australia to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bank Australia sits right now rather than a fixed snapshot.
How many home loan products does Bank Australia offer?
Ratesniffers currently tracks 37 Bank Australia home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 34 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Bank Australia competitive for refinancing?
It depends on your loan size and LVR. Bank Australia's lowest comparison rate is currently 6.17% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Bank Australia against the sharpest available rate usually pays off.
How often are Bank Australia's home loan rates updated?
Ratesniffers refreshes Bank Australia's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bank Australia reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Bank Australia rates by borrower and loan type
The same Bank Australia panel, filtered to the scenario you're actually shopping for.
- Bank Australia owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Bank Australia investor ratesInvestment lending, interest-only where offered.
- Bank Australia refinance ratesRefinance-eligible products versus your current rate.
- Bank Australia first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Bank Australia fixed rates1 to 5-year terms where available.
- Bank Australia variable ratesFlexible repayments, offset-compatible products.
- Bank Australia interest-only ratesIO terms, mostly investor products.
- Bank Australia offset loans100% offset-account-eligible products.
Compare home loans across the market by purpose
The whole visible panel, sliced by what borrowers actually search for.
Research Bank Australia
Our independent review, and how they stack up head to head.
Other lenders you might compare
Same purpose-built rate cards, different lender panels.
Mortgage guides and market context
Plain-English explainers, plus where rates sit across the market today.