TOPLINE HOME LOAN
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
27d ago
Comparison*
6.16%p.a.
Monthly repayment
$3,043
LVR 1–80%
Bank of us Home Loan Rates
Active products
27
Lowest variable
6.14%
Lowest fixed
6.59%
Lowest comparison
6.16%
Last updated
28 July 2026
Bank of us is one of the Australian home-loan lenders we track daily. We currently surface 27 active products from Bank of us, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What is the lowest Bank of us home loan rate?
The lowest Bank of us variable home loan rate Ratesniffers tracks is 6.14% p.a., and the lowest fixed rate is 6.59% p.a. These figures come from the 27 Bank of us products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Bank of us offer?
Ratesniffers currently tracks 27 Bank of us 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 of us home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.14% p.a. | 6.16% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.14% p.a. | 6.16% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.14% p.a. | 6.18% p.a. | 100% |
| Variable Investor P&I | 6.29% p.a. | 6.31% p.a. | 100% |
| Variable Investor P&I | 6.34% p.a. | 6.36% p.a. | 100% |
| Fixed 1-year Owner-occupier interest-only | 6.59% p.a. | 6.23% p.a. | 100% |
| Fixed 2-year Owner-occupier interest-only | 6.59% p.a. | 6.27% p.a. | 100% |
| Fixed 1-year Owner-occupier interest-only | 6.59% p.a. | 6.21% p.a. | 100% |
| Fixed 2-year Owner-occupier interest-only | 6.59% p.a. | 6.25% p.a. | 100% |
| Fixed 3-year Owner-occupier interest-only | 6.64% p.a. | 6.33% p.a. | 100% |
| Fixed 3-year Owner-occupier interest-only | 6.64% p.a. | 6.31% p.a. | 100% |
| Fixed 4-year Owner-occupier interest-only | 6.74% p.a. | 6.40% p.a. | 100% |
27 Bank of us home loan products
Flexidiscount Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.14%p.a.
33d ago
Comparison*
6.16%p.a.
Monthly repayment
$3,043
LVR 70–80%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.14%p.a.
33d ago
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR 80–90%
FlexiChoice Residential Investment Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.29%p.a.
33d ago
Comparison*
6.31%p.a.
Monthly repayment
$3,092
LVR 70–80%
TOPLINE RES. INV. LOAN
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
33d ago
Comparison*
6.36%p.a.
Monthly repayment
$3,108
LVR 1–80%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,190
LVR 80–90%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,190
LVR 80–90%
Flexidiscount Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
Flexidiscount Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.59%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,190
LVR 70–80%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,207
LVR 80–90%
Flexidiscount Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,207
LVR 70–80%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,240
LVR 80–90%
Flexidiscount Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.74%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,240
LVR 70–80%
FlexiChoice Residential Investment Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.79%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
FlexiChoice Residential Investment Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.79%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,256
LVR 70–80%
FlexiChoice Residential Investment Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.84%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,273
LVR 70–80%
FlexiChoice Residential Investment Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.94%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,306
LVR 70–80%
Flexidiscount Home Guarantee Scheme Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,306
LVR 80–90%
Flexidiscount Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.94%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,306
LVR 70–80%
FLEXICHOICE HOME LOAN
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.86%p.a.
Verify, 68d old
Comparison*
7.07%p.a.
Monthly repayment
$3,280
LVR 1–80%
FlexiChoice Residential Investment Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
7.14%p.a.
33d ago
Comparison*
—
Monthly repayment
$3,374
LVR 70–80%
FLEXICHOICE HOME LOAN
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.19%p.a.
Verify, 68d old
Comparison*
—
Monthly repayment
$3,391
LVR 1–80%
FLEXICHOICE HOME LOAN
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.19%p.a.
Verify, 68d old
Comparison*
—
Monthly repayment
$3,391
LVR 1–80%
FLEXICHOICE HOME LOAN
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.24%p.a.
Verify, 68d old
Comparison*
—
Monthly repayment
$3,407
LVR 1–80%
FLEXICHOICE HOME LOAN
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.34%p.a.
Verify, 68d old
Comparison*
—
Monthly repayment
$3,441
LVR 1–80%
FLEXICHOICE HOME LOAN
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
7.54%p.a.
Verify, 68d old
Comparison*
—
Monthly repayment
$3,510
LVR 1–80%
LINE OF CREDIT
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
8.86%p.a.
Verify, 69d old
Comparison*
8.99%p.a.
Monthly repayment
$3,973
LVR —
Negotiate Bank of us rates with a broker
Advertised rates aren't always the rate Bank of us actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Bank of us?
Bank of us is Tasmania's only customer-owned bank, with a lineage running back to 1870 and the Launceston Equitable Building & Investment Society. It took its current name in 2017 and lends with a deliberately Tasmanian focus.
Profits stay in Tasmania with its member-owners, and its home-loan pricing regularly competes strongly within the state.
Who suits a Bank of us home loan?
Bank of us tends to suit Tasmanians who want a bank that is wholly of their state, with local branches and underwriting that understands Tasmanian property. Mainland borrowers can join too; see where its rates sit in the live table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Bank of us home loans: frequently asked questions
What is the lowest Bank of us home loan rate?
Bank of us's lowest variable home loan rate is currently 6.14% p.a., and its lowest fixed rate is 6.59% p.a., based on the 27 Bank of us products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Bank of us approves, a broker can often negotiate a sharper deal on your scenario.
How does Bank of us's home loan rate compare to the market?
Bank of us's lowest variable home loan rate today is 6.14% p.a., which is 5 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 of us to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Bank of us sits right now rather than a fixed snapshot.
How many home loan products does Bank of us offer?
Ratesniffers currently tracks 27 Bank of us home loan products across variable, fixed and interest-only options for owner-occupiers and investors. 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 of us competitive for refinancing?
It depends on your loan size and LVR. Bank of us's lowest comparison rate is currently 6.16% 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 of us against the sharpest available rate usually pays off.
How often are Bank of us's home loan rates updated?
Ratesniffers refreshes Bank of us's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Bank of us 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 of us rates by borrower and loan type
The same Bank of us panel, filtered to the scenario you're actually shopping for.
- Bank of us owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Bank of us investor ratesInvestment lending, interest-only where offered.
- Bank of us refinance ratesRefinance-eligible products versus your current rate.
- Bank of us first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Bank of us fixed rates1 to 5-year terms where available.
- Bank of us variable ratesFlexible repayments, offset-compatible products.
- Bank of us interest-only ratesIO terms, mostly investor products.
- Bank of us 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.
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.