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2026-06-24 10:48 am
A couple sitting together in a home, smiling.

Home loans shouldn’t cost the Earth

Why us?

Clean money

Home loan interest payments support a bank committed to using money as a force for good.

Eco pause

Pause home loan repayments to help with new green household additions like solar and water tanks.

Parental pause

Catch your breath in the early days of parenthood by pausing or halving repayments.

Offset Home Loan Refinance Offer

Refinance your home loan from another lender to Bank Australia and benefit from a reduced interest rate for the life of your loan1.

6.05%p.a.

Variable rate

LVR ≤80% applies.

6.24%p.a.

Comparison rate*

Owner occupied, principal and interest.
Limited time offer2.

Terms and conditions apply.

Two Bank Australia customers talking to each other

Compare rates and home loans

Home loans for different needs including our low rate Basic Home Loan, Offset Home Loan, and our reduced rate Clean Energy Home Loan.

See all rates and fees.

Making plans to move or build?

Bridging loan

Our Bridging Home Loan is available for up to 12 months. It could help you navigate the tricky time between buying or building a new home, and waiting for your old home to sell.

Construction loan

The construction feature allows you to draw down on the loan as the build progresses.

Featured

Electrify Your Home

Switching to all-electric at home can be better for the environment, health and costs. Check out our guides and resources on making this shift.

  • What can you electrify at home?
  • Electric home customer stories
  • Sustainable home tips
Above: 7+-star rated home electric stovetop

Home loan calculators

How much can I borrow?

Get a clearer understanding of your borrowing power.

Refinance calculator

See your potential savings from moving your mortgage to Bank Australia.

Home loan repayments

See repayments and understand affordability.

Borrower help for wherever you're at

Home buying

Get answers to what you need to know about buying a home.

Refinancing and equity

Understand the benefits of switching to an ethical bank.

Investors

Get the lowdown on property investing and investment home loans.

Banking done differently

Sure, Bank Australia has a user-friendly app, internet banking, and all the other things you’d expect of a customer-focused bank. But we’ve got so much more, too.

We’re 100% customer-owned, which means you have voting rights. We don’t pay our execs bonuses, which means more funds are used to support people and the planet. And we’ll never use your money (or anyone’s, for that matter) to fund harmful industries like fossil fuels, live animal exports or nuclear weapons.

Need support with your home loan?
Head to our help section for more information.

Things you need to know

OFFSET HOME LOAN SPECIAL OFFER TERMS AND CONDITIONS

1This offer applies only to new home loans that are refinanced from another lender to Bank Australia Limited and does not apply to the transfer or refinance of any existing Bank Australia or Qudos Bank loans.

2We 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 anytime. Applies to applications received within the period 18 June 2026 up until offer ends or is withdrawn.

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.
  • 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.