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Bank Australia home loan rates

17 home loan products and 133 published rates, checked 2 Nov, 12:05 am AEDT. Bank Australia last updated its data 28 Oct 2026.

Lowest Bank Australia rates

Loan type	Rate	Comparison*
Variable, owner-occupier, P&I Clean Energy Home Loan (LVR up to 90%)	6.23%	6.50%
Variable, investor, P&I Clean Energy Investment Loan (LVR up to 90%)	6.29%	6.59%
Variable, investor, interest only Offset Investment Loan IO (LVR up to 60%)	6.74%	6.77%
1 year fixed, owner-occupier, P&I Basic Home Loan Fixed (LVR 60–70%)	6.74%	6.42%
2 year fixed, owner-occupier, P&I Basic Home Loan Fixed (LVR 60–70%)	6.79%	6.47%
3 year fixed, owner-occupier, P&I Clean Energy Home Loan Fixed (LVR up to 90%)	6.69%	6.66%
5 year fixed, owner-occupier, P&I Basic Home Loan Fixed (LVR 60–70%)	6.99%	6.65%

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Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All Bank Australia home loans

Basic Home Loan · 5 rates · from 6.38%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.38%	6.38%
Variable	Owner-occupier, principal & interest	LVR 60–70%	6.38%	6.38%
Variable	Owner-occupier, principal & interest	LVR 70–80%	6.39%	6.39%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.64%	6.64%
Variable	Owner-occupier, principal & interest	any LVR	6.90%	6.90%

Basic Home Loan on Bank Australia’s site ↗

Basic Home Loan Fixed · 20 rates · from 6.74%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.74%	6.42%
1 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.74%	6.42%
1 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.74%	6.43%
1 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.04%	6.69%
1 year fixed	Owner-occupier, principal & interest	any LVR	7.04%	6.92%
2 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.79%	6.47%
2 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.79%	6.47%
2 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.79%	6.47%
2 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.04%	6.72%
2 year fixed	Owner-occupier, principal & interest	any LVR	7.09%	6.94%
3 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.89%	6.53%
3 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.89%	6.53%
3 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.89%	6.54%
3 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.19%	6.80%
3 year fixed	Owner-occupier, principal & interest	any LVR	7.19%	6.99%
5 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.99%	6.65%
5 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.99%	6.65%
5 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.99%	6.66%
5 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.29%	6.93%
5 year fixed	Owner-occupier, principal & interest	any LVR	7.29%	7.08%

Basic Home Loan Fixed on Bank Australia’s site ↗

Basic Investment Loan · 4 rates · from 6.59%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, principal & interest	LVR up to 60%	6.59%	6.59%
Variable	Investor, principal & interest	LVR 60–70%	6.59%	6.59%
Variable	Investor, principal & interest	LVR 70–80%	6.59%	6.59%
Variable	Investor, principal & interest	LVR 80–90%	6.84%	6.84%

Basic Investment Loan on Bank Australia’s site ↗

Basic Investment Loan Fixed · 16 rates · from 6.79%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, principal & interest	LVR up to 60%	6.79%	6.61%
1 year fixed	Investor, principal & interest	LVR 60–70%	6.79%	6.61%
1 year fixed	Investor, principal & interest	LVR 70–80%	6.79%	6.61%
1 year fixed	Investor, principal & interest	LVR 80–90%	7.09%	6.87%
2 year fixed	Investor, principal & interest	LVR up to 60%	6.84%	6.64%
2 year fixed	Investor, principal & interest	LVR 60–70%	6.84%	6.64%
2 year fixed	Investor, principal & interest	LVR 70–80%	6.84%	6.64%
2 year fixed	Investor, principal & interest	LVR 80–90%	7.09%	6.89%
3 year fixed	Investor, principal & interest	LVR up to 60%	6.94%	6.69%
3 year fixed	Investor, principal & interest	LVR 60–70%	6.94%	6.69%
3 year fixed	Investor, principal & interest	LVR 70–80%	6.94%	6.69%
3 year fixed	Investor, principal & interest	LVR 80–90%	7.24%	6.96%
5 year fixed	Investor, principal & interest	LVR up to 60%	7.04%	6.79%
5 year fixed	Investor, principal & interest	LVR 60–70%	7.04%	6.79%
5 year fixed	Investor, principal & interest	LVR 70–80%	7.04%	6.79%
5 year fixed	Investor, principal & interest	LVR 80–90%	7.29%	7.05%

Basic Investment Loan Fixed on Bank Australia’s site ↗

Basic Investment Loan Fixed IO · 14 rates · from 7.04%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	LVR up to 60%	7.04%	6.64%
1 year fixed	Investor, interest only	LVR 60–70%	7.04%	6.64%
1 year fixed	Investor, interest only	LVR 70–80%	7.04%	6.64%
1 year fixed	Investor, interest only	LVR 80–90%	7.34%	6.90%
2 year fixed	Investor, interest only	LVR up to 60%	7.09%	6.69%
2 year fixed	Investor, interest only	LVR 60–70%	7.09%	6.69%
2 year fixed	Investor, interest only	LVR 70–80%	7.09%	6.69%
2 year fixed	Investor, interest only	LVR 80–90%	7.34%	6.94%
3 year fixed	Investor, interest only	LVR up to 60%	7.19%	6.76%
3 year fixed	Investor, interest only	LVR 60–70%	7.19%	6.76%
3 year fixed	Investor, interest only	LVR 70–80%	7.19%	6.76%
3 year fixed	Investor, interest only	LVR 80–90%	7.49%	7.03%
5 year fixed	Investor, interest only	LVR up to 60%	7.29%	6.90%
5 year fixed	Investor, interest only	LVR 60–70%	7.29%	6.90%

Basic Investment Loan Fixed IO on Bank Australia’s site ↗

Basic Investment Loan IO · 4 rates · from 6.84%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, interest only	LVR up to 60%	6.84%	6.70%
Variable	Investor, interest only	LVR 60–70%	6.84%	6.70%
Variable	Investor, interest only	LVR 70–80%	6.84%	6.70%
Variable	Investor, interest only	LVR 80–90%	7.09%	6.95%

Basic Investment Loan IO on Bank Australia’s site ↗

Bridging Loan · 1 rate · from 8.35%Specialist loan

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier or investor, principal & interest	LVR up to 75%	8.35%	8.40%

Bridging Loan on Bank Australia’s site ↗

Clean Energy Home Loan · 1 rate · from 6.23%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	LVR up to 90%	6.23%	6.50%

Clean Energy Home Loan on Bank Australia’s site ↗

Clean Energy Home Loan Fixed · 1 rate · from 6.69%

Rate type	For	LVR	Rate	Comparison*
3 year fixed	Owner-occupier, principal & interest	LVR up to 90%	6.69%	6.66%

Clean Energy Home Loan Fixed on Bank Australia’s site ↗

Clean Energy Investment Fixed · 2 rates · from 6.64%

Rate type	For	LVR	Rate	Comparison*
3 year fixed	Investor, principal & interest	LVR up to 90%	6.74%	6.75%
3 year fixed	Investor, principal & interest	LVR up to 90%	6.64%	6.72%

Clean Energy Investment Fixed on Bank Australia’s site ↗

Clean Energy Investment Loan · 2 rates · from 6.29%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, principal & interest	LVR up to 90%	6.39%	6.63%
Variable	Investor, principal & interest	LVR up to 90%	6.29%	6.59%

Clean Energy Investment Loan on Bank Australia’s site ↗

Offset Home Loan · 5 rates · from 6.38%

Rate type	For	LVR	Rate	Comparison*
Variable	Owner-occupier, principal & interest	LVR up to 60%	6.38%	6.57%
Variable	Owner-occupier, principal & interest	LVR 60–70%	6.38%	6.57%
Variable	Owner-occupier, principal & interest	LVR 70–80%	6.43%	6.62%
Variable	Owner-occupier, principal & interest	LVR 80–90%	6.64%	6.82%
Variable	Owner-occupier, principal & interest	any LVR	7.14%	7.32%

Offset Home Loan on Bank Australia’s site ↗

Offset Home Loan Fixed · 20 rates · from 6.74%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.74%	6.60%
1 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.74%	6.60%
1 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.74%	6.65%
1 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.04%	6.87%
1 year fixed	Owner-occupier, principal & interest	any LVR	7.04%	7.31%
2 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.79%	6.65%
2 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.79%	6.65%
2 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.79%	6.69%
2 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.04%	6.91%
2 year fixed	Owner-occupier, principal & interest	any LVR	7.09%	7.31%
3 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.89%	6.71%
3 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.89%	6.71%
3 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.89%	6.75%
3 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.19%	6.98%
3 year fixed	Owner-occupier, principal & interest	any LVR	7.19%	7.34%
5 year fixed	Owner-occupier, principal & interest	LVR up to 60%	6.99%	6.84%
5 year fixed	Owner-occupier, principal & interest	LVR 60–70%	6.99%	6.84%
5 year fixed	Owner-occupier, principal & interest	LVR 70–80%	6.99%	6.87%
5 year fixed	Owner-occupier, principal & interest	LVR 80–90%	7.29%	7.12%
5 year fixed	Owner-occupier, principal & interest	any LVR	7.29%	7.39%

Offset Home Loan Fixed on Bank Australia’s site ↗

Offset Investment Loan · 4 rates · from 6.49%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, principal & interest	LVR up to 60%	6.49%	6.68%
Variable	Investor, principal & interest	LVR 60–70%	6.54%	6.73%
Variable	Investor, principal & interest	LVR 70–80%	6.59%	6.77%
Variable	Investor, principal & interest	LVR 80–90%	6.94%	7.12%

Offset Investment Loan on Bank Australia’s site ↗

Offset Investment Loan Fixed · 16 rates · from 6.79%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, principal & interest	LVR up to 60%	6.79%	6.71%
1 year fixed	Investor, principal & interest	LVR 60–70%	6.79%	6.75%
1 year fixed	Investor, principal & interest	LVR 70–80%	6.79%	6.80%
1 year fixed	Investor, principal & interest	LVR 80–90%	7.19%	7.15%
2 year fixed	Investor, principal & interest	LVR up to 60%	6.84%	6.75%
2 year fixed	Investor, principal & interest	LVR 60–70%	6.84%	6.79%
2 year fixed	Investor, principal & interest	LVR 70–80%	6.84%	6.83%
2 year fixed	Investor, principal & interest	LVR 80–90%	7.19%	7.17%
3 year fixed	Investor, principal & interest	LVR up to 60%	6.94%	6.81%
3 year fixed	Investor, principal & interest	LVR 60–70%	6.94%	6.84%
3 year fixed	Investor, principal & interest	LVR 70–80%	6.94%	6.88%
3 year fixed	Investor, principal & interest	LVR 80–90%	7.39%	7.25%
5 year fixed	Investor, principal & interest	LVR up to 60%	7.04%	6.92%
5 year fixed	Investor, principal & interest	LVR 60–70%	7.04%	6.95%
5 year fixed	Investor, principal & interest	LVR 70–80%	7.04%	6.98%
5 year fixed	Investor, principal & interest	LVR 80–90%	7.39%	7.57%

Offset Investment Loan Fixed on Bank Australia’s site ↗

Offset Investment Loan Fixed IO · 14 rates · from 7.04%

Rate type	For	LVR	Rate	Comparison*
1 year fixed	Investor, interest only	LVR up to 60%	7.04%	6.73%
1 year fixed	Investor, interest only	LVR 60–70%	7.04%	6.77%
1 year fixed	Investor, interest only	LVR 70–80%	7.04%	6.82%
1 year fixed	Investor, interest only	LVR 80–90%	7.44%	7.17%
2 year fixed	Investor, interest only	LVR up to 60%	7.09%	6.79%
2 year fixed	Investor, interest only	LVR 60–70%	7.09%	6.83%
2 year fixed	Investor, interest only	LVR 70–80%	7.09%	6.87%
2 year fixed	Investor, interest only	LVR 80–90%	7.44%	7.22%
3 year fixed	Investor, interest only	LVR up to 60%	7.19%	6.87%
3 year fixed	Investor, interest only	LVR 60–70%	7.19%	6.90%
3 year fixed	Investor, interest only	LVR 70–80%	7.19%	6.94%
3 year fixed	Investor, interest only	LVR 80–90%	7.64%	7.32%
5 year fixed	Investor, interest only	LVR up to 60%	7.29%	7.01%
5 year fixed	Investor, interest only	LVR 60–70%	7.29%	7.04%

Offset Investment Loan Fixed IO on Bank Australia’s site ↗

Offset Investment Loan IO · 4 rates · from 6.74%

Rate type	For	LVR	Rate	Comparison*
Variable	Investor, interest only	LVR up to 60%	6.74%	6.77%
Variable	Investor, interest only	LVR 60–70%	6.79%	6.82%
Variable	Investor, interest only	LVR 70–80%	6.84%	6.87%
Variable	Investor, interest only	LVR 80–90%	7.19%	7.22%

Offset Investment Loan IO on Bank Australia’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.