Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤70%
People First Bank · Offset · Updated October 2026
People First Bank Offset Account Home Loans, October 2026
People First Bank lists 20 offset home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.24% p.a.), on Basic Home Loan <70% LVR Owner Occupied P&I.. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
View People First Bank current productsCompare the live market50+ lenders tracked · ranked by comparison rate · no paid placement
People First Bank offset home loan rates, October 2026
Interest
6.24%p.a.
Comparison*
6.24%p.a.
Est. repayment
$3,075
LVR ≤70%
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR >$500k Owner Occupied P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 80 to 90%
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR >$500k Owner Occupied P&I LMI Waiver
VariableOffsetRedraw
Interest
6.34%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,108
LVR 80 to 90%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤70%
Interest
6.39%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,124
LVR ≤70%
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,157
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR >$500k Investment P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,157
LVR 80 to 90%
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,157
LVR 70 to 80%
Interest
6.49%p.a.
Comparison*
6.49%p.a.
Est. repayment
$3,157
LVR 80 to 90%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤70%
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR ≤70%
People First BankBasic Home Loan 80% - 90% LVR <$500k Owner Occupied P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,240
LVR 80 to 90%
People First BankBasic Home Loan 80% - 90% LVR <$500k Owner Occupied P&I LMI Waiver
VariableOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,240
LVR 80 to 90%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR 70 to 80%
People First BankBasic Home Loan 80% - 90% LVR <$500k Investment P&I LMI Waiver.
VariableOffsetRedraw
Interest
6.89%p.a.
Comparison*
6.89%p.a.
Est. repayment
$3,290
LVR 80 to 90%
Interest
6.89%p.a.
Comparison*
6.89%p.a.
Est. repayment
$3,290
LVR 80 to 90%
*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.
People First Bank · Offset
People First 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.
See also People First Bank's full product range, repayment calculator, and offset savings calculator.