Bank Australia · Fixed · Updated September 2026

Bank Australia Fixed Home Loan Rates, September 2026

Bank Australia lists 24 fixed home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.34% p.a.) on a 1-year fixed term, on Offset Home Loan Fixed. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Bank Australia fixed home loan rates, September 2026

Lowest Bank Australia fixed rate by term: 1-year 6.34% p.a. (comparison 6.34%), 2-year 6.39% p.a. (comparison 6.37%).

Bank AustraliaOffset Home Loan Fixed

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR 70–80%

Enquire

Bank AustraliaBasic Home Loan Fixed

1y Fixed

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR 70–80%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=60% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=70% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤70%

Enquire

Bank AustraliaBasic 1 Year Fixed <=60% LVR Owner Occupied P&I

1y Fixed

Interest

6.34%p.a.

Comparison*

6.15%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

Bank AustraliaBasic 1 Year Fixed <=70% LVR Owner Occupied P&I

1y Fixed

Interest

6.34%p.a.

Comparison*

6.15%p.a.

Est. repayment

$3,108

LVR ≤70%

Enquire

Bank AustraliaBasic 1 Year Fixed <=80% LVR Owner Occupied P&I

1y Fixed

Interest

6.34%p.a.

Comparison*

6.16%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=60% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=70% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤70%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=80% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

Bank AustraliaOffset Home Loan 1 Year Fixed <=80% LVR Owner Occupied P&I

1y FixedOffset

Interest

6.34%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

Bank AustraliaOffset Home Loan Fixed

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR 70–80%

Enquire

Bank AustraliaBasic Home Loan Fixed

2y Fixed

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR 70–80%

Enquire

Bank AustraliaOffset Home Loan 2 Year Fixed <=60% LVR Owner Occupied P&I

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Bank AustraliaOffset Home Loan 2 Year Fixed <=70% LVR Owner Occupied P&I

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR ≤70%

Enquire

Bank AustraliaBasic 1 Year Fixed <=60% LVR Investment P&I

1y Fixed

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Bank AustraliaBasic 1 Year Fixed <=70% LVR Investment P&I

1y Fixed

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤70%

Enquire

Bank AustraliaBasic 1 Year Fixed <=80% LVR Investment P&I

1y Fixed

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤80%

Enquire

Bank AustraliaBasic 2 Year Fixed <=60% LVR Owner Occupied P&I

2y Fixed

Interest

6.39%p.a.

Comparison*

6.18%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Bank AustraliaBasic 2 Year Fixed <=70% LVR Owner Occupied P&I

2y Fixed

Interest

6.39%p.a.

Comparison*

6.18%p.a.

Est. repayment

$3,124

LVR ≤70%

Enquire

Bank AustraliaBasic 2 Year Fixed <=80% LVR Owner Occupied P&I

2y Fixed

Interest

6.39%p.a.

Comparison*

6.19%p.a.

Est. repayment

$3,124

LVR ≤80%

Enquire

Bank AustraliaOffset Home Loan 2 Year Fixed <=60% LVR Owner Occupied P&I

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Bank AustraliaOffset Home Loan 2 Year Fixed <=70% LVR Owner Occupied P&I

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.37%p.a.

Est. repayment

$3,124

LVR ≤70%

Enquire

Bank AustraliaOffset Home Loan 2 Year Fixed <=80% LVR Owner Occupied P&I

2y FixedOffset

Interest

6.39%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,124

LVR ≤80%

Enquire

*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.

Bank Australia · Fixed

Bank Australia fixed home loans, what to weigh

Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. 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 fixed option has the same price.