What is the lowest offset home loan rate in Australia right now?
As of 11 March 2026
Direct Answer
From 5.43% p.a.
Lowest tracked home loan rate with an offset account.
How this answer was generated
- Current leaders: Bank of China (Discount Plus Home Loan (With Principal And Interest Repayment) (Variable)).
- Coverage: 1088 tracked home loan variants in this slice.
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