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Offset Home Loan Special Offer

5.55
%
p.a.
 Variable rate
5.74
%
p.a.
  Comparison rate*
LVR ≤ 80% applies.
Effective 7 August 2025.
Apply now
Woman pouring tea into cup whilst a baby sits on her lap and watches

Things you need to know about this offer

  • New home loans only1
  • Owner occupied, principal and interest only
  • PAYG only
  • Limited time offer, subject to change at our discretion at anytime#

Offset Home Loan features

Learn about the key features and benefits of our Offset Home Loan. This includes a 100% mortgage offset account to help you reduce interest while staying flexible - plus zero establishment fee.

Redraw

You can make extra repayments on variable rate loans and access the cash when you need it at no cost with our redraw. Redraw is not available on fixed rate loans, or if you’re making Interest Only repayments.

Zero establishment fees

There is no establishment fee on these loans.

No annual card fees

We waive the annual fee on our Platinum Rewards Visa Credit card.

Flexible repayments

Make principal and interest repayments weekly, fortnightly or monthly. And make extra repayments for variable rates anytime, with no early repayment penalty.

100% offset

Link your loan to your transaction account to reduce the amount of interest you pay. It’s our 100% offset with no monthly account keeping fees.

What to expect when you apply

  • You tell us about your situation, including income, expenses and debts - online or by phone.

    This takes about 20 minutes

  • If all looks good on paper, we can offer conditional approval right then and tell you if we need any documentation.

    It helps to provide documents swiftly

  • Once we verify your credit score and financial position, and conduct a property valuation, you'll receive formal approval.

    Allow up to 10 days

Apply now

Why Bank Australia?

StarStarStarStarStar
"easy process and really personalised service from my Lending Consultant and both loans are at very competitive interest rates"
Rob from NSW

See more on Product review

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Things you need to know

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#OFFSET HOME LOAN SPECIAL OFFER TERMS AND CONDITIONS

  • Applications received on and from 7 August 2025.
  • Loans to be funded no later than 31 December 2025.
  • Limited time offer, subject to change at our discretion at anytime.
  • Owner occupied, principal and interest only.
  • ≤ 80% LVR limit.
  • Includes eligible Victorian Homebuyer Fund and NHFIC Guarantee Loans.
  • PAYG only.

1. This offer only applies to new home loans with Bank Australia Limited, trading as either Qudos Bank or Bank Australia.

We reserve the right to change the rate at any time. Advertised variable rates are current at the time of publication but can be changed at any time. Applications received within the period 7 August 2025 up until offer ends or is withdrawn must be funded no later than 31 December 2025.

‍

GENERAL ADVICE

  • Any information and advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and seek any third party advice you need.
  • Before deciding to apply, we provide and recommend you read our Financial Services Guide. Target Market Determination available here.
  • All applications are subject to a credit assessment and approval. All applicable terms and conditions will be included in our loan offer.
  • Additional fees and charges may be payable – all relevant details will be included in our loan offer.
  • Information and interest rates are current as at the date of publication and are subject to change at any time, at the discretion of Bank Australia Limited.
  • This document does not constitute a contract for finance.

*Comparison Rate. The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable.

IMPORTANT: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Terms and conditions, fees and charges apply. Loans subject to normal lending criteria and approval.