Judo Bank Offset Home Loans, July 2026
Judo Bank doesn't currently advertise products meeting our visibility filter in this segment. The panel below shows the full 85+-lender market for benchmark.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |1,704 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
Judo Bank's sharpest offset options. Market cheapest currently sits at 5.89%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Judo BankHome Loan
8.65%
8.67%
—
Interest only
Judo BankHome Loan
8.65%
8.67%
—
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
Verify, 68d old
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
OnlineUp Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.95%p.a.
20d ago
Comparison*
5.95%p.a.
Monthly repayment
$2,982
LVR —
Discount Plus Home Loan (with Principal and Interest Repayment)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.93%p.a.
Comparison*
5.97%p.a.
Monthly repayment
$2,975
LVR —
Standard Variable (Package)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR 70–80%
Premium Plus Package Variable Home Loan Principal and Interest
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
OnlineUltimate Home Loan - Owner Occupied 80% LVR
Owner-occupierVariableP&IOffsetRedraw
Interest
5.94%p.a.
Verify, 72d old
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Regional Australia Bank Home Loan (Offset)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
28d ago
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 70–80%
Offset Home Loan LVR >60-80
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
myBlue Variable O/Occ P+I (90.01 -95.00% LVR)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Orange Advantage
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
OnlineME Bank CompleteME Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Aggregate split refi loans to meet $700k minimum (same customer, same submission)
- Mixed refi + purchase apps eligible — one $3k per application
- Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR 70–80%
Home Loan-Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
ANZ Standard Variable home loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$3,000 cashback
Interest
6.01%p.a.
Comparison*
6.05%p.a.
Monthly repayment
$3,001
LVR ≤80%
Clear Path Variable Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$2,000 cashback
Interest
6.03%p.a.
Comparison*
6.07%p.a.
Monthly repayment
$3,007
LVR ≤80%
Value Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Variable Home Loan Package Principal and Interest
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR —
Offset Variable OO P&I
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Essentials Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments$4,000 cashback
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 71–80%
Classic Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
Offset Police Variable Rate Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
42d ago
Comparison*
6.08%p.a.
Monthly repayment
$3,024
LVR —
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Variable Home Loan with Offset
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.07%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,020
LVR 70–80%
Standard Variable Rate - Home Package Plus Special Offers
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR 70–80%
AFG Alpha Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Expect More Home Loan Owner Occupied
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 60–80%
Firefighters Mutual Bank
Your Way Plus Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Special Residential Variable Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 71–80%
*Important Information and Comparison Rate 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.
Judo Bank · Offset
Judo 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. Judo Bank's sharpest variable currently: 8.65%. Sharpest fixed: 9.16%.
See also Judo Bank's full product range, repayment calculator, and offset savings calculator.