Compare offset home loan rates
Only variable-rate home loans with an offset account. No fixed rates, no basic loans without offset — so every product in the table is actually comparable with every other. How this table works →
* Comparison rates are based on a loan of $150,000 over 25 years — see the warning in the footer.
How much does an offset actually save?
Interest saved in an offset isn't income, so it isn't taxed — the effective return beats most savings accounts. Run your own numbers.
Big-four rates are negotiable
Rows marked “Indicative” are advertised rates the major banks rarely charge in practice — they price case by case. We find out what they'd actually offer you.