The Finance Algorithm
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Offset Investment Loan

A home loan packed with positives for future generations.

Home loansBank updated 28 Oct 2026
Apply at Bank Australia ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (investor P&I)
6.49%
Max LVR
90%
Annual fee
$189
Features
offset, redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This home loan: 6.59%Every other institution's lowest, 103 in all

Investment, principal & interest, 80% LVR. One dot per institution, at its lowest investor variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateThis home loanBest anywhereTypical institutionWhere it sits
Investor variable home loanInvestment, principal & interest, 80% LVR6.59%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions49th lowest of 104, level with 7 others

Rates

Every rate Bank Australia publishes for this home loan, 4 in all.

Variable rate by LVR

Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value

  1. ≤60%6.49%
  2. 60–70%6.54%
  3. 70–80%6.59%
  4. 80–90%6.94%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
VariableInvestment, P&I-≤60% LVR6.49%6.68%-
VariableInvestment, P&I-60–70% LVR6.54%6.73%-
VariableInvestment, P&I-70–80% LVR6.59%6.77%-
VariableInvestment, P&I-80–90% LVR6.94%7.12%-

Rate changes

4 changes logged, newest first.

DateRateWasNowChange
16 Oct 2026Variable, Investment, P&I, ≤60% LVR6.24%6.49%up 0.25
16 Oct 2026Variable, Investment, P&I, 60–70% LVR6.29%6.54%up 0.25
16 Oct 2026Variable, Investment, P&I, 70–80% LVR6.34%6.59%up 0.25
16 Oct 2026Variable, Investment, P&I, 80–90% LVR6.69%6.94%up 0.25

Each change is logged the night it appears in the rates Bank Australia publishes. See how every lender answered the RBA on the rate tracker.

Fees

9 fees published, grouped by when they're charged.

  1. When you take it outNo feeEstablishment Fee
  2. While you hold itUp to $1993 fees, each listed below
  3. When you close it or pay it offNo fee published

When you take it out1

  • Establishment Fee
    No fee

While you hold it3

  • Monthly Offset Account Fee
    No fee
  • Offset Home Loan Annual Fee

    Annual fee payable on all Offset Home Loans and Clean Energy Home Loans. The fee is debited to the loan annually on the anniversary date of funding and is non refundable. Only one annual fee applies…

    $199 a year
  • Platinum Rewards Credit Card Annual Fee

    An annual fee charged on your credit card. This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of…

    $189 a year

When particular things happen5

  • 1st Valuation Fee
    No fee
  • Construction Progress Inspection
    No fee
  • Mortgage Discharge Fee

    Payable when you discharge the mortgage. Statutory government registration fees will still apply.

    $275
  • Portability Fee- New Mortgage

    Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia.

    $500
  • Redraw fee
    No fee

Features

Offset accountRedrawExtra repaymentsDigital banking
  • Flexible Repayments: Make your loan repayments weekly, fortnightly or monthly
  • Split loan between variable and fixed is available

Eligibility and limits

  • Minimum age 18
  • Residency: AU
  • Available to individuals
  • Amount from $10,000, no maximum
  • Maximum LVR 90%
  • Applications for loans are subject to the Bank's lending criteria.

Published by Bank Australia under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.