Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR not stated
Bank Australia · Offset · Updated October 2026
Bank Australia Offset Account Home Loans, October 2026
Bank Australia lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.38% p.a. (comparison rate 6.56% p.a.), on Offset Home Loan <=60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
View Bank Australia current productsCompare the live market50+ lenders tracked · ranked by comparison rate · no paid placement
Bank Australia offset home loan rates, October 2026
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR 70 to 80%
Interest
6.54%p.a.
Comparison*
6.54%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤60%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤70%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤60%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤70%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤80%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤98%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤80%
Interest
6.43%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,137
LVR ≤98%
Interest
6.49%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR ≤70%
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR ≤70%
Interest
6.74%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤60%
Interest
6.74%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,240
LVR ≤60%
Interest
6.74%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,240
LVR ≤70%
Interest
6.74%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,240
LVR ≤80%
Interest
6.74%p.a.
Comparison*
Not available
Est. repayment
$3,240
LVR ≤60%
Interest
6.74%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,240
LVR ≤60%
Interest
6.74%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,240
LVR ≤70%
*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 · Offset
Bank Australia 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 Bank Australia's full product range, repayment calculator, and offset savings calculator.