--- title: "Offset Investment Loan — Bank Australia" description: "Home Loans from Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bank-australia/products/47ba8f05-e7e1-493b-a646-e68dfcb2a23b source: "CDR Compare" language: en-AU last_updated: 2026-07-30T22:00:22.643Z --- # Offset Investment Loan — Bank Australia > Home Loans from Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Home Loans** A home loan packed with positives for future generations. ## At a glance - **From (investment):** 6.09% (6.28% comparison) ## Apply Applications are handled by the provider: [Apply at Bank Australia](https://apply.bankaust.com.au/cip/bankaustralia/p/bankaustralia/homeloan/application.html) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (New home loans only. Effective from 18th June 2026. Limited time offer. Eligibility criteria, T&Cs, fees and charges apply.) | 6.09% | 6.28% | Refinance Special Offer ≤80% | | Variable | 6.24% | 6.43% | LVR 60% or less | | Variable | 6.29% | 6.48% | LVR 70% or less | | Variable | 6.34% | 6.53% | LVR 80% or less | | Variable | 6.69% | 6.87% | LVR 90% or less | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Monthly Offset Account Fee — Charged monthly | Ongoing | $0.00 | | Offset Home Loan Annual Fee — Charged yearly · 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 per customer where multiple loans exist. | Ongoing | $199.00 | | Establishment Fee | Upfront | $0.00 | | Platinum Rewards Credit Card Annual Fee — Charged yearly · An annual fee charged on your credit card. · Discount −$189.00 — 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 the loan holder. (eligibility: Other: 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 the loan holder.) | Ongoing | $189.00 | | Redraw fee | Event | $0.00 | | 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. | Event | $500.00 | | Mortgage Discharge Fee — Payable when you discharge the mortgage. Statutory government registration fees will still apply. | Event | $275.00 | | Construction Progress Inspection | Event | $0.00 | | 1st Valuation Fee | Event | $0.00 | ## Features - **Digital banking** (You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.) - **Offset account** (A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference.) - **Flexible Repayments: Make your loan repayments weekly, fortnightly or monthly** - **Redraw facility** (If you're ahead of your repayments, you may be able to redraw fee free, with restrictions if your loan is fixed) - **Split loan between variable and fixed is available** - **Extra repayments** (You can make extra repayments on variable rate loans) ## Eligibility - **Minimum age** — 18 years (Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.) - **Individuals only** (Individuals only: Not available for non-personal borrowers.) - **Applications for loans are subject to the Bank's lending criteria.** - **Residency status** — AU (Australian citizen or permanent resident of Australia) ## Constraints - **Minimum limit** — $10,000.00 ## Bundles - **Offset Loan** — Offset Loan (Offset loans include an annual fee waiver for the Platinum Rewards Credit Card and everyday banking.) ## More information from Bank Australia - [Overview](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) - [Terms & conditions](https://www.bankaust.com.au/support/disclosures) - [Eligibility](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) - [Fees & pricing](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) - [Bundle information](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) ## Data provenance - Published by Bank Australia under the Consumer Data Right - Product ID: `47ba8f05-e7e1-493b-a646-e68dfcb2a23b` - Last updated by the provider: 30 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/47ba8f05-e7e1-493b-a646-e68dfcb2a23b - Provider page: https://www.cdrcompare.au/brands/bank-australia - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000150 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-australia/products/47ba8f05-e7e1-493b-a646-e68dfcb2a23b) — product data published by Australian data holders under the Consumer Data Right. 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