Interest
6.39%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Bank of Melbourne · Offset · Updated September 2026
Bank of Melbourne Offset Account Home Loans, September 2026
Bank of Melbourne lists 20 offset home loans in the Ratesniffers index today. The lowest is 6.39% p.a. (comparison rate 6.75% p.a.), on Variable Home Loan with Offset. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Bank of Melbourne offset home loan rates, September 2026
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤70%
Interest
6.88%p.a.
Comparison*
Not available
Est. repayment
$3,286
LVR ≤70%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤70%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 70 to 80%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR ≤70%
Interest
6.98%p.a.
Comparison*
Not available
Est. repayment
$3,320
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 80%
Interest
7.08%p.a.
Comparison*
Not available
Est. repayment
$3,353
LVR 70 to 80%
Interest
6.39%p.a.
Comparison*
7.10%p.a.
Est. repayment
$3,124
LVR 70 to 80%
Interest
6.69%p.a.
Comparison*
7.16%p.a.
Est. repayment
$3,223
LVR 70 to 80%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 80 to 90%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 80 to 90%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 80 to 90%
Interest
7.28%p.a.
Comparison*
Not available
Est. repayment
$3,421
LVR 80 to 90%
Interest
9.28%p.a.
Comparison*
Not available
Est. repayment
$4,124
LVR ≤70%
Interest
9.38%p.a.
Comparison*
Not available
Est. repayment
$4,161
LVR 70 to 80%
Interest
9.56%p.a.
Comparison*
Not available
Est. repayment
$4,226
LVR ≤70%
Interest
9.66%p.a.
Comparison*
Not available
Est. repayment
$4,263
LVR 70 to 80%
*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 of Melbourne · Offset
Bank of Melbourne 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 of Melbourne's full product range, repayment calculator, and offset savings calculator.