Interest
6.09%p.a.
Comparison*
6.11%p.a.
Est. repayment
$3,027
LVR 70 to 80%
Bank of us Home Loan Rates
Tracked products
27
Lowest variable (interest-only)
6.09%
Lowest fixed (interest-only)
6.59%
Lowest comparison
6.11%
Last updated
2 Sept 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 are Bank of us home loan rates?
Bank of us home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.09% p.a. and the lowest fixed rate currently 6.59% p.a., last verified 2 Sept 2026. Compare Bank of us against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Bank of us home loan rate?
The lowest Bank of us variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.59% p.a. These figures come from the 20 Bank of us products on this page that pass data-quality checks, ranked by comparison rate, last verified 2 Sept 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, and ranks the 20 that pass our data-quality checks on this page. 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 interest-only | 6.09% p.a. | 6.11% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.09% p.a. | 6.13% p.a. | n/a |
| Variable Owner-occupier P&I | 6.14% p.a. | 6.16% p.a. | n/a |
| Variable Investor P&I | 6.24% p.a. | 6.26% p.a. | n/a |
| Variable Investor P&I | 6.29% p.a. | 6.31% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 6.59% p.a. | 6.18% p.a. | n/a |
| Fixed 2-year Owner-occupier interest-only | 6.59% p.a. | 6.23% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 6.59% p.a. | 6.17% p.a. | n/a |
| Fixed 2-year Owner-occupier interest-only | 6.59% p.a. | 6.21% p.a. | n/a |
| Fixed 3-year Owner-occupier interest-only | 6.64% p.a. | 6.29% p.a. | n/a |
| Fixed 3-year Owner-occupier interest-only | 6.64% p.a. | 6.27% p.a. | n/a |
| Fixed 4-year Owner-occupier interest-only | 6.74% p.a. | 6.37% p.a. | n/a |
20 of 27 tracked Bank of us home loan products
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Est. repayment
$3,027
LVR 80 to 90%
Interest
6.14%p.a.
Comparison*
6.16%p.a.
Est. repayment
$3,043
LVR 1 to 80%
Interest
6.24%p.a.
Comparison*
6.26%p.a.
Est. repayment
$3,075
LVR 70 to 80%
Interest
6.29%p.a.
Comparison*
6.31%p.a.
Est. repayment
$3,092
LVR 1 to 80%
Interest
6.59%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,190
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
6.23%p.a.
Est. repayment
$3,190
LVR 80 to 90%
Interest
6.59%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.21%p.a.
Est. repayment
$3,190
LVR 70 to 80%
Interest
6.64%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,207
LVR 80 to 90%
Interest
6.64%p.a.
Comparison*
6.27%p.a.
Est. repayment
$3,207
LVR 70 to 80%
Interest
6.74%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.74%p.a.
Comparison*
6.35%p.a.
Est. repayment
$3,240
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.32%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.84%p.a.
Comparison*
6.44%p.a.
Est. repayment
$3,273
LVR 70 to 80%
Interest
6.94%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,306
LVR 70 to 80%
Interest
6.94%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,306
LVR 80 to 90%
Interest
6.94%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,306
LVR 70 to 80%
Interest
7.14%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,374
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 us home loan repayment calculator
Pre-filled with Bank of us's lowest advertised variable rate in the table above, 6.09% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Bank of us's lowest variable today: 6.09%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,027
Fortnightly repayment
$1,397
Total interest
$589,628
30 years at 6.09% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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 4 September 2026. Rates above refresh independently.
Bank of us home loans: frequently asked questions
What are Bank of us home loan rates?
Bank of us home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.09% p.a., and the lowest fixed rate is 6.59% p.a., last verified 2 Sept 2026. Compare Bank of us against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Bank of us balance, use /calculators/extra-repayment.
What is the lowest Bank of us home loan rate?
Bank of us's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.59% p.a., based on the 20 Bank of us products Ratesniffers ranks by comparison rate, last verified 2 Sept 2026. The advertised rate isn't always the rate Bank of us approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Bank of us home loan?
At Bank of us's lowest variable rate of 6.09% p.a., a $600,000 principal and interest loan over 30 years repays about $3,632 a month, and $500,000 about $3,027. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Bank of us home loan?
There is no single salary. Like every Australian lender, Bank of us must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.09% p.a. is assessed at about 9.09% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Bank of us's home loan rate compare to the market?
Bank of us's lowest variable home loan rate today is 6.09% p.a., which is 15 basis points below the market median of 6.24% p.a., which puts Bank of us among the more competitive lenders on variable rates today. 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, and ranks the 20 that pass our data-quality checks on this page. Every rate is 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 6.11% 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 last verified Bank of us's home loan rates on 2 Sept 2026. Rates can change whenever Bank of us reprices or the RBA moves the cash rate, so always confirm the current rate with the lender before acting.