NRMA Offset Home Loan
For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.
- From (owner occupied)
- 5.94%
- 6.14% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.94% | 6.14% | LVR |
| Variable | 5.94% | 6.14% | LVR |
| Variable | 6.03% | 6.23% | LVR |
| Variable | 6.08% | 6.28% | LVR |
| Variable | 6.33% | 6.53% | LVR |
| Fixed · 1 year | 6.49% | 6.32% | LVR |
| Fixed · 3 years |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee | Upfront | $150.00 |
| Application Fee | Upfront | $0.00 |
| Security Processing Fee | Upfront | $0.00 |
| Settlement Service Fee | Upfront | $345.40 |
| Monthly Service Fee Charged monthly | Ongoing | $15.00 |
| Bank Cheque Fee | Event | $10.00 |
| Online Redraw Fee | Event | $0.00 |
| Manual Redraw Fee Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking | Event | $0.00 |
| Duplicate Fee |
Features
- Offset account
- Up to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for QANTAS Money Home Loans must be in the same customer number as the home loan.
- Redraw facility
- Manual & Online redraw available
- Monthly repayments
- Extra repayments
- Unlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans
Eligibility
- Minimum age — 18 years
- Credit and Lending Criteria, Fees and Charges Apply
Constraints
- Minimum limit — $50,000.00
- Maximum LVR — 95%
More Information
Published by NRMA Home Loans under the Consumer Data Right · Last updated 16 July 2026 · Product ID e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f · View on CDR.gov.au