Cheapest home loans with an offset account
Ranked by comparison rate, the leading home loan with an offset account in Australia today is Up's at 5.95% comparison (5.95% advertised) - rates as at 2026-09-13.
Australian owner-occupier home loans that include an offset account, ranked by comparison rate.
| Lender | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
UpBestUp Home Variable Rate Loan | Variable | 5.95% | 5.95% | 90% | link |
INGMortgage Simplifier | Variable | 5.99% | 6.02% | 70% | link |
Great Southern BankOffset Variable Home Loan | Variable | 6.14% | 6.20% | 70% | link |
NABBig 5Tailored Home Loan | Variable | 6.09% | 6.22% | 70% | link |
CBABig 5Digi Home Loan | Variable | 6.09% | 6.22% | — | link |
BOQClear Path Variable Rate Home Loan | Variable | 6.14% | 6.26% | 80% | link |
MacquarieBig 5Offset Home Loan | Variable | 6.04% | 6.29% | 70% | link |
Bank AustraliaOffset Home Loan | Variable | 6.13% | 6.32% | 70% | link |
Qudos BankLow Cost Home Loan (Value Package) | Variable | 6.13% | 6.32% | 70% | link |
BendigoFlex Home Loan | Variable | 6.14% | 6.32% | 50% | link |
UbankFlex Variable | Variable | 6.09% | 6.33% | 70% | link |
BendigoFlex Home Loan | Fixed 1yr | 6.49% | 6.39% | 50% | link |
ME BankCompleteME Home Loan | Variable | 6.04% | 6.42% | 70% | link |
BendigoFlex Home Loan | Fixed 2yr | 6.54% | 6.43% | 50% | link |
INGOrange Advantage | Variable | 6.14% | 6.43% | 80% | link |
Beyond BankTotal Home Loan Package (Variable) | Variable | 6.09% | 6.44% | 60% | link |
BendigoFlex Home Loan | Fixed 3yr | 6.49% | 6.45% | 50% | link |
SuncorpStandard Variable (Home Package Plus) | Variable | 6.13% | 6.48% | 70% | link |
CBABig 5Standard Variable Rate | Variable | 6.34% | 6.72% | — | link |
WestpacBig 5Rocket Repay Home Loan (Premier Advantage Pkg) | Variable | 6.39% | 6.77% | 70% | link |
ANZBig 5Standard Variable Home Loan | Variable | 7.24% | 7.24% | 80% | link |