Hume Bank · Offset · Updated November 2026

Hume Bank Offset Account Home Loans, November 2026

Hume Bank lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.34% p.a.), on myBlue Variable <60% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Hume Bank offset home loan rates, November 2026

Hume BankmyBlue Variable <60% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤60%

Enquire

Hume BankmyBlue Variable <98% LVR Owner Occupied P&I (Aus Gov 5% Deposit Scheme only)

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤98%

Enquire

Hume BankmyBlue Variable <98% LVR Owner Occupied P&I First Home Buyer (Non-Scheme only)

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,108

LVR ≤98%

Enquire

Hume BankmyBlue 1 Year Fixed <60% LVR Owner Occupied P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Hume BankmyBlue 1 Year Fixed <98% LVR Owner Occupied P&I (Aus Gov 5% Deposit Scheme only)

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤98%

Enquire

Hume BankmyBlue 1 Year Fixed <98% LVR Owner Occupied P&I First Home Buyer (non-Scheme only)

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤98%

Enquire

Hume BankmyBlue 2 Year Fixed <60% LVR Owner Occupied P&I

2y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤60%

Enquire

Hume BankmyBlue 2 Year Fixed <98% LVR Owner Occupied P&I (Aus Gov 5% Deposit Scheme only)

2y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤98%

Enquire

Hume BankmyBlue 2 Year Fixed <98% LVR Owner Occupied P&I First Home Buyer (non-Scheme only)

2y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.35%p.a.

Est. repayment

$3,124

LVR ≤98%

Enquire

Hume BankmyBlue 1 Year Fixed 60% - 80% LVR Owner Occupied P&I

1y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.43%p.a.

Est. repayment

$3,124

LVR 60 to 80%

Enquire

Hume BankmyBlue 2 Year Fixed 60% - 80% LVR Owner Occupied P&I

2y FixedOffsetRedraw

Interest

6.39%p.a.

Comparison*

6.43%p.a.

Est. repayment

$3,124

LVR 60 to 80%

Enquire

Hume BankmyBlue Variable 60% - 80% LVR Owner Occupied P&I

VariableOffsetRedraw

Interest

6.44%p.a.

Comparison*

6.44%p.a.

Est. repayment

$3,141

LVR 60 to 80%

Enquire

Hume BankmyBlue Variable <60% LVR Investment P&I

VariableOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.49%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

Hume BankmyBlue 1 Year Fixed <60% LVR Investment P&I

1y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.49%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

Hume BankmyBlue 2 Year Fixed <60% LVR Investment P&I

2y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.49%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

Hume BankmyBlue 3 Year Fixed <60% LVR Owner Occupied P&I

3y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,157

LVR ≤60%

Enquire

Hume BankmyBlue 3 Year Fixed <98% LVR Owner Occupied P&I (Aus Gov 5% Deposit Scheme only)

3y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,157

LVR ≤98%

Enquire

Hume BankmyBlue 3 Year Fixed <98% LVR Owner Occupied P&I First Home Buyer (non-Scheme only)

3y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.38%p.a.

Est. repayment

$3,157

LVR ≤98%

Enquire

Hume BankmyBlue 3 Year Fixed 60% - 80% LVR Owner Occupied P&I

3y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.45%p.a.

Est. repayment

$3,157

LVR 60 to 80%

Enquire

Hume BankmyBlue 2 Year Fixed 60% - 80% LVR Investment P&I

2y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.57%p.a.

Est. repayment

$3,157

LVR 60 to 80%

Enquire

Hume BankmyBlue 1 Year Fixed 60% - 80% LVR Investment P&I

1y FixedOffsetRedraw

Interest

6.49%p.a.

Comparison*

6.58%p.a.

Est. repayment

$3,157

LVR 60 to 80%

Enquire

Hume BankmyBlue Variable 60% - 80% LVR Investment P&I

VariableOffsetRedraw

Interest

6.59%p.a.

Comparison*

6.59%p.a.

Est. repayment

$3,190

LVR 60 to 80%

Enquire

Hume BankmyBlue 1 Year Fixed <60% LVR Investment IO

1y FixedOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR ≤60%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Hume BankmyBlue 1 Year Fixed 60% - 80% LVR Investment IO

1y FixedOffsetRedraw

Interest

6.59%p.a.

Comparison*

Not available

Est. interest only / month

$2,746

LVR 60 to 80%

Based on a $500,000 balance

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.

Hume Bank · Offset

Hume Bank 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.