--- title: "Offset Investment Loan Fixed IO — 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/dfcc20c7-75b4-44e9-bf84-cc44344f51ae source: "CDR Compare" language: en-AU last_updated: 2026-06-23T04:17:25.186Z --- # Offset Investment Loan Fixed IO — 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):** 6.64% (6.47% 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 | | --- | --- | --- | --- | | Fixed · 1 year | 6.64% | 6.47% | 1 year - LVR 60% or less | | Fixed · 1 year | 6.64% | 6.51% | 1 year - LVR 70% or less | | Fixed · 1 year | 6.64% | 6.55% | 1 year - LVR 80% or less | | Fixed · 2 years | 6.69% | 6.51% | 2 years - LVR 60% or less | | Fixed · 2 years | 6.69% | 6.55% | 2 years - LVR 70% or less | | Fixed · 2 years | 6.69% | 6.59% | 2 years - LVR 80% or less | | Fixed · 3 years | 6.79% | 6.57% | 3 years - LVR 60% or less | | Fixed · 3 years | 6.79% | 6.61% | 3 years - LVR 70% or less | | Fixed · 3 years | 6.79% | 6.65% | 3 years - LVR 80% or less | | Fixed · 5 years | 6.89% | 6.69% | 5 years - LVR 60% or less | | Fixed · 5 years | 6.89% | 6.72% | 5 years - LVR 70% or less | | Fixed · 1 year | 7.04% | 6.91% | 1 year - LVR 90% or less | | Fixed · 2 years | 7.04% | 6.94% | 2 year - LVR 90% or less | | Fixed · 3 years | 7.24% | 7.02% | 3 year - 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 | | Rate Lock Fee — Payable when you choose to lock in the fixed rate at application. 0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed Rate home loans only and is non-refundable. | Other | 0.1% of balance | | 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 | | 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 | | Break Fee — You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fixed period. The fee is calculated at the time of the event and is specifically related to your individual loan. More information is found in the loan fees and charges document. | Event | $0.00 – $999,999.99 | | Mortgage Discharge Fee — Payable when you discharge the mortgage. Statutory government registration fees will still apply. | Event | $275.00 | | 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.) - **Extra repayments** (Addtional repayments up to $30,000 during the fixed rate period) - **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. Up to a limit of $20,000.) - **Fixed rate lock; With our rate lock you can apply for a fixed interest rate on your home loan and lock in the rate while your home loan settles.** - **Split loan between variable and fixed is available** ## 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** (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: `dfcc20c7-75b4-44e9-bf84-cc44344f51ae` - Last updated by the provider: 23 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/dfcc20c7-75b4-44e9-bf84-cc44344f51ae - 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/dfcc20c7-75b4-44e9-bf84-cc44344f51ae) — product data published by Australian data holders under the Consumer Data Right. 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