Home loans with an offset account we track
Ranked by advertised rate, the leading home loan with an offset account we track is Up's at 6.20% comparison (6.20% advertised) - rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Australian owner-occupier home loans that include an offset account, ranked by advertised rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Variable Rate Loan | Variable | 6.20% | 6.20% | 90% | link |
INGMortgage Simplifier | Variable | 6.29% | 6.32% | 70% | link |
NABBig 5Tailored Home Loan | Variable | 6.29% | 6.42% | 70% | link |
MacquarieBig 5Offset Home Loan | Variable | 6.29% | 6.54% | 70% | link |
ME BankCompleteME Home Loan | Variable | 6.29% | 6.67% | 70% | link |
CBABig 5Digi Home Loan | Variable | 6.34% | 6.36% | — | link |
UbankFlex Variable | Variable | 6.34% | 6.58% | 70% | link |
Beyond BankTotal Home Loan Package (Variable) | Variable | 6.34% | 6.69% | 60% | link |
Qudos BankLow Cost Home Loan (Value Package) | Variable | 6.38% | 6.56% | 70% | link |
Bank AustraliaOffset Home Loan | Variable | 6.38% | 6.57% | 70% | link |
Great Southern BankOffset Variable Home Loan | Variable | 6.39% | 6.45% | 70% | link |
BOQClear Path Variable Rate Home Loan | Variable | 6.39% | 6.51% | 80% | link |
BendigoFlex Home Loan | Variable | 6.39% | 6.57% | 50% | link |
INGOrange Advantage | Variable | 6.44% | 6.73% | 80% | link |
BendigoFlex Home Loan | Fixed 1yr | 6.59% | 6.63% | 50% | link |
BendigoFlex Home Loan | Fixed 2yr | 6.59% | 6.64% | 50% | link |
CBABig 5Standard Variable Rate | Variable | 6.59% | 6.97% | — | link |
WestpacBig 5Rocket Repay Home Loan (Premier Advantage Pkg) | Variable | 6.64% | 7.01% | 70% | link |
BendigoFlex Home Loan | Fixed 3yr | 6.69% | 6.68% | 50% | link |
ANZBig 5Standard Variable Home Loan | Variable | 7.49% | 7.49% | 80% | link |