Hume Bank home loan rates are in the live table on this page, ranked by comparison rate. Hume Bank is the customer-owned Albury-Wodonga mutual; Hume Bank home loans are the myBlue and liteBlue products below. compare all lenders on the wider market table.
Tracked products
236
Lowest variable
5.99%
Lowest fixed
6.29%
Lowest comparison
6.00%
Last updated
11 Sept 2026
Hume Bank is one of the Australian home-loan lenders we track daily. We currently surface 236 active products from Hume Bank, 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 Hume Bank home loan rates?
Hume Bank home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.29% p.a., checked daily (last verified 11 Sept 2026). Compare Hume Bank 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 Hume Bank home loan rate?
The lowest Hume Bank variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.29% p.a. These figures come from the 60 Hume Bank products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Hume Bank offer?
Ratesniffers currently tracks 236 Hume Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 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.
The figures on this page cover Hume Bank home loans. To compare home loan rates Australia, open the wider market table ranked by comparison rate.
Hume Bank home loan rates at a glance
Product type
Rate
Comparison rate
Max LVR
Fixed 3-year Owner-occupier P&I
6.39% p.a.
6.17% p.a.
60%
Fixed 3-year Owner-occupier P&I
6.39% p.a.
6.17% p.a.
98%
Fixed 3-year Owner-occupier P&I
6.39% p.a.
6.17% p.a.
98%
Fixed 3-year Owner-occupier P&I
6.39% p.a.
6.25% p.a.
80%
Variable Investor interest-only
6.44% p.a.
n/a
n/a
Variable Investor interest-only
6.44% p.a.
n/a
n/a
Variable Investor interest-only
6.44% p.a.
n/a
n/a
Variable Investor interest-only
6.44% p.a.
n/a
n/a
Variable Investor interest-only
6.44% p.a.
n/a
n/a
Variable Investor interest-only
6.44% p.a.
n/a
80%
Variable Investor interest-only
6.44% p.a.
n/a
60%
Fixed 1-year Investor interest-only
6.49% p.a.
6.36% p.a.
n/a
60 of 236 tracked Hume Bank home loan products
Hume BankmyBlue 3 Year Fixed <60% LVR Owner Occupied P&I
*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.
Who is Hume Bank?
Hume Bank is the customer-owned bank of the Albury-Wodonga border region, founded in 1955 as a building society by Albury locals who wanted housing finance available in their own town. It remains headquartered in Albury and focused on the border and surrounding regional NSW and Victoria.
As a mutual, profits stay with members, and its home-loan rates regularly appear near the top of national comparison tables despite its regional footprint.
Who suits a Hume Bank home loan?
Hume tends to suit border-region borrowers who want genuinely local banking, and rate-hunters anywhere, since membership is open Australia-wide and its sharpest variable rates often rank among the country's best. Check its position in the live table above.
Hume Bank's lowest variable rate today is 5.99% p.a., 25 basis points below the 6.24% p.a. median across the lenders Ratesniffers tracks, computed daily from the same live feed as the table above.
Hume Bank home loan rates are in the live table on this page, ranked by comparison rate. Compare all lenders at /home-loans.
What is Hume Bank?
Hume Bank is the customer-owned bank of the Albury-Wodonga border region. Hume Bank home loan rates are in the live table on this page, ranked by comparison rate. Compare all lenders at /home-loans.
What are Hume Bank home loans?
Hume Bank home loan rates are in the live table on this page, ranked by comparison rate. Hume Bank is the customer-owned Albury-Wodonga mutual; Hume Bank home loans are the myBlue and liteBlue products below. Compare all lenders at /home-loans.
What is the lowest Hume Bank home loan rate?
Hume Bank's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.29% p.a., based on the 60 Hume Bank products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Hume Bank approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Hume Bank home loan?
At Hume Bank's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. 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 Hume Bank home loan?
There is no single salary. Like every Australian lender, Hume Bank 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 5.99% p.a. is assessed at about 8.99% 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 Hume Bank's home loan rate compare to the market?
Hume Bank's lowest variable home loan rate today is 5.99% p.a., which is 25 basis points below the market median of 6.24% p.a., which puts Hume Bank 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 Hume Bank sits right now rather than a fixed snapshot.
How many home loan products does Hume Bank offer?
Ratesniffers currently tracks 236 Hume Bank home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Hume Bank competitive for refinancing?
It depends on your loan size and LVR. Hume Bank's lowest comparison rate is currently 6.00% 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 Hume Bank against the sharpest available rate usually pays off.
How often are Hume Bank's home loan rates updated?
Ratesniffers refreshes Hume Bank's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Hume Bank reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Can I get a Hume Bank home loan if I live outside Albury-Wodonga?
Yes. Hume Bank is headquartered in Albury and focused on the border and surrounding regional NSW and Victoria, but membership is open Australia-wide. Compare its live rates in the table above against the wider market at /home-loans, or against other New South Wales customer-owned lenders such as /lenders/imb-bank and /lenders/regional-australia-bank.
Is Hume Bank a customer-owned bank?
Yes. Hume Bank is the customer-owned bank of the Albury-Wodonga border region, founded in 1955 as a building society. As a mutual, profits stay with members. Check the live table above for current Hume Bank home loan rates rather than assuming a mutual is always cheaper.
Does Hume Bank have an offset account, and what does it cost?
Yes. Hume Bank's loan offset account links to any myBlue home loan, fixed or variable, and you can hold up to eight 100% interest offset accounts on one loan. There are no monthly account keeping fees and transactions are unlimited and free. The offset account is a myBlue feature; it is not listed among the liteBlue Variable Rate loan's features.
