Bank Australia home loan rates
BANK AUSTRALIA LIMITED · ACL 238431 · Mutual/Credit union
Rates as at 2026-10-20. 112 rates across 5 products. Lender website
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Clean Energy Home Loan (4 tiers) | 6.13–6.39% | 6.46–6.63% | Variable | Owner occupier | P&I | LVR <=90% |
| Basic Home Loan (2 tiers) | 6.38–6.59% | 6.38–6.59% | Variable | Owner occupier | P&I | LVR <=60% |
| Basic Home Loan (2 tiers) | 6.38–6.59% | 6.38–6.59% | Variable | Owner occupier | P&I | LVR <=70% |
| Offset Home Loan (2 tiers) | 6.38–6.49% | 6.57–6.68% | Variable | Owner occupier | P&I | LVR <=60% |
| Offset Home Loan (2 tiers) | 6.38–6.54% | 6.57–6.73% | Variable | Owner occupier | P&I | LVR <=70% |
| Basic Home Loan (2 tiers) | 6.39–6.59% | 6.39–6.59% | Variable | Owner occupier | P&I | LVR <=80% |
| Offset Home Loan (2 tiers) | 6.43–6.59% | 6.62–6.77% | Variable | Owner occupier | P&I | LVR <=80% |
| Basic Home Loan (2 tiers) | 6.64–6.84% | 6.64–6.84% | Variable | Owner occupier | P&I | LVR <=90% |
| Offset Home Loan (2 tiers) | 6.64–6.94% | 6.82–7.12% | Variable | Owner occupier | P&I | LVR <=90% |
| Offset Home Loan | 6.74% | 6.77% | Variable | Owner occupier | Interest only | LVR <=60% |
| Offset Home Loan | 6.79% | 6.82% | Variable | Owner occupier | Interest only | LVR <=70% |
| Basic Home Loan | 6.84% | 6.70% | Variable | Owner occupier | Interest only | LVR <=60% |
| Basic Home Loan | 6.84% | 6.70% | Variable | Owner occupier | Interest only | LVR <=70% |
| Basic Home Loan | 6.84% | 6.70% | Variable | Owner occupier | Interest only | LVR <=80% |
| Offset Home Loan | 6.84% | 6.87% | Variable | Owner occupier | Interest only | LVR <=80% |
| Basic Home Loan | 6.90% | 6.90% | Variable | Owner occupier | P&I | LVR >90% |
| Basic Home Loan | 7.09% | 6.95% | Variable | Owner occupier | Interest only | LVR <=90% |
| Offset Home Loan | 7.14% | 7.32% | Variable | Owner occupier | P&I | LVR >90% |
| Offset Home Loan | 7.19% | 7.22% | Variable | Owner occupier | Interest only | LVR <=90% |
| Bridging Loan | 8.35% | 8.40% | Variable | Owner occupier | P&I | LVR <=75% |
Fixed rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Clean Energy Home Loan (4 tiers) | 6.59–6.74% | 6.63–6.75% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=90% |
| Basic Home Loan | 6.74% | 6.42% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=60% |
| Basic Home Loan | 6.74% | 6.42% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=70% |
| Basic Home Loan | 6.74% | 6.43% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=80% |
| Offset Home Loan | 6.74% | 6.60% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=60% |
| Offset Home Loan | 6.74% | 6.60% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=70% |
| Offset Home Loan | 6.74% | 6.65% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=80% |
| Basic Home Loan | 6.79% | 6.47% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=60% |
| Basic Home Loan | 6.79% | 6.47% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=70% |
| Basic Home Loan | 6.79% | 6.47% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=80% |
| Home Loan | 6.79% | 6.61% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=60% |
| Home Loan | 6.79% | 6.61% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=70% |
| Home Loan | 6.79% | 6.61% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=80% |
| Offset Home Loan | 6.79% | 6.65% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=60% |
| Offset Home Loan | 6.79% | 6.65% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=70% |
| Offset Home Loan | 6.79% | 6.69% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=80% |
| Home Loan | 6.84% | 6.64% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=60% |
| Home Loan | 6.84% | 6.64% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=70% |
| Home Loan | 6.84% | 6.64% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=80% |
| Basic Home Loan | 6.89% | 6.53% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=60% |
| Basic Home Loan | 6.89% | 6.53% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=70% |
| Basic Home Loan | 6.89% | 6.54% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=80% |
| Offset Home Loan | 6.89% | 6.71% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=60% |
| Offset Home Loan | 6.89% | 6.71% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=70% |
| Offset Home Loan | 6.89% | 6.75% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=80% |
| Home Loan | 6.94% | 6.69% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=60% |
| Home Loan | 6.94% | 6.69% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=70% |
| Home Loan | 6.94% | 6.69% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=80% |
| Basic Home Loan | 6.99% | 6.65% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=60% |
| Basic Home Loan | 6.99% | 6.65% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=70% |
| Basic Home Loan | 6.99% | 6.66% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=80% |
| Offset Home Loan | 6.99% | 6.84% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=60% |
| Offset Home Loan | 6.99% | 6.84% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=70% |
| Offset Home Loan | 6.99% | 6.87% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=80% |
| Basic Home Loan | 7.04% | 6.69% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=90% |
| Basic Home Loan | 7.04% | 6.72% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=90% |
| Basic Home Loan | 7.04% | 6.92% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR >90% |
| Home Loan | 7.04% | 6.79% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=60% |
| Home Loan | 7.04% | 6.79% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=70% |
| Home Loan | 7.04% | 6.79% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=80% |
| Home Loan | 7.04% | 6.64% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=60% |
| Home Loan | 7.04% | 6.64% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=70% |
| Home Loan | 7.04% | 6.64% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=80% |
| Offset Home Loan | 7.04% | 6.87% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=90% |
| Offset Home Loan | 7.04% | 6.91% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=90% |
| Offset Home Loan | 7.04% | 7.31% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR >90% |
| Basic Home Loan | 7.09% | 6.94% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR >90% |
| Home Loan (2 tiers) | 7.09–7.19% | 6.87–7.15% | Fixed | Owner occupier | P&I | 1 yr fixed · LVR <=90% |
| Home Loan (2 tiers) | 7.09–7.19% | 6.89–7.17% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR <=90% |
| Home Loan | 7.09% | 6.69% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=60% |
| Home Loan | 7.09% | 6.69% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=70% |
| Home Loan | 7.09% | 6.69% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=80% |
| Offset Home Loan | 7.09% | 7.31% | Fixed | Owner occupier | P&I | 2 yr fixed · LVR >90% |
| Basic Home Loan | 7.19% | 6.80% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=90% |
| Basic Home Loan | 7.19% | 6.99% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR >90% |
| Home Loan | 7.19% | 6.76% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=60% |
| Home Loan | 7.19% | 6.76% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=70% |
| Home Loan | 7.19% | 6.76% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=80% |
| Offset Home Loan | 7.19% | 6.98% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=90% |
| Offset Home Loan | 7.19% | 7.34% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR >90% |
| Home Loan (2 tiers) | 7.24–7.39% | 6.96–7.25% | Fixed | Owner occupier | P&I | 3 yr fixed · LVR <=90% |
| Basic Home Loan | 7.29% | 6.93% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=90% |
| Basic Home Loan | 7.29% | 7.08% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR >90% |
| Home Loan (2 tiers) | 7.29–7.39% | 7.05–7.57% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=90% |
| Home Loan | 7.29% | 6.90% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR <=60% |
| Home Loan | 7.29% | 6.90% | Fixed | Owner occupier | Interest only | 5 yr fixed · LVR <=70% |
| Offset Home Loan | 7.29% | 7.12% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR <=90% |
| Offset Home Loan | 7.29% | 7.39% | Fixed | Owner occupier | P&I | 5 yr fixed · LVR >90% |
| Home Loan (2 tiers) | 7.34–7.44% | 6.90–7.17% | Fixed | Owner occupier | Interest only | 1 yr fixed · LVR <=90% |
| Home Loan (2 tiers) | 7.34–7.44% | 6.94–7.22% | Fixed | Owner occupier | Interest only | 2 yr fixed · LVR <=90% |
| Home Loan (2 tiers) | 7.49–7.64% | 7.03–7.32% | Fixed | Owner occupier | Interest only | 3 yr fixed · LVR <=90% |