Hume Bank home loan rates include this selected product example: liteBlue Variable 60% - 80% LVR Owner Occupied P&I: 6.34% p.a. (6.35% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Hume Bank is the customer-owned Albury-Wodonga mutual; Hume Bank home loans on this page are the myBlue and liteBlue products in the live table. compare all lenders on the wider market table. This is general information, not a recommendation to borrow.
Hume Bank home loan rates, selected verified 80% LVR owner-occupier principal and interest product examples dated 20 October 2026. Rates shown per annum; the comparison rate counts most fees on the $150,000 / 25-year example.
Rates shown are selected product examples, not every product or a personalised offer. 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.
Active products
236
Variable product example
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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Fixed product example
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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Example comparison rate
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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Last updated
1 November 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?
Ratesniffers compares Hume Bank home loan products by comparison rate. Compare Hume Bank's product rates and conditions in the table. A verified example for this loan scenario is unavailable. 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.
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. 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.
236 Hume Bank home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
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.
Compare Hume Bank's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
Hume Bank home loan rates include this selected product example: liteBlue Variable 60% - 80% LVR Owner Occupied P&I: 6.34% p.a. (6.35% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Compare all lenders at /home-loans. This is general information, not a recommendation to borrow. This is a selected product example, not every product or a personalised offer. 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.
What is Hume Bank?
Hume Bank is the customer-owned bank of the Albury-Wodonga border region. Hume Bank home loan rates include this selected product example: liteBlue Variable 60% - 80% LVR Owner Occupied P&I: 6.34% p.a. (6.35% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Compare the comparison rate, not only the headline rate, at /home-loans. This is general information, not a recommendation to borrow. This is a selected product example, not every product or a personalised offer. 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.
What are Hume Bank home loans?
Hume Bank home loan rates include this selected product example: liteBlue Variable 60% - 80% LVR Owner Occupied P&I: 6.34% p.a. (6.35% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 60% to 80%), as of 20 October 2026. Hume Bank is the customer-owned Albury-Wodonga mutual; Hume Bank home loans on this page are the myBlue and liteBlue products in the live table. Compare all lenders at /home-loans. This is a selected product example, not every product or a personalised offer. 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.
How much do you need to earn for a $500,000 Hume Bank home loan?
There is no single salary requirement for a Hume Bank home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Hume Bank's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Hume Bank's home loan rate compare to the market?
Compare Hume Bank's product conditions and comparison rates with /home-loans. The available table does not establish a whole-market ranking or a personalised offer.
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. 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?
Compare Hume Bank's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Hume Bank's home loan rates updated?
Ratesniffers refreshes Hume Bank's home loan rates daily; this page was last updated 1 November 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.
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.
