NRMA Home Loans

Bank last updated 2026-11-13 · product records as fetched 2026-11-13 · feed status: ok. Refreshed daily.

ABN 11 068 049 178

Savings accounts

NRMA Home Loans publishes 1 transaction and savings account product in its product data; 0 are savings accounts ranked on the comparison. 1 product is not ranked (a mortgage offset account: 1). Rates are per annum as published by the bank; a bonus rate is paid only in a month in which the account's conditions are met.

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Best rates

None of NRMA Home Loans's accounts is ranked; each product below says why.

Products

Type

Ranked

1 of 1 products shown

Not ranked

Offset Account offset accountlinked account

Not ranked: a mortgage offset account.

Conditions: Must be linked to an NRMA Offset Home Loan product.; Have or have been approved for an NRMA Offset Home Loan.

cardappBPAYlinked account required

no monthly fee stated · interest paid monthly · 2 fees with no amount in the feed · bank · terms · fees · eligibility · source

The Offset Account is designed to be linked and used with the NRMA Offset Home Loan. Eligible home loan customers can receive offset benefits by linking an Offset Account to an NRMA Offset Home Loan which reduces the amount of interest that would otherwise accrue in relation to the NRMA Offset Home…

Balance	Base
$0+	0.00%

Ranked products come first. Each table is the product's balance bands as the bank's feed states them: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together, intro the rate in the introductory period; a table shows only the columns its account has. "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change. The "source" link opens our snapshot of the bank's product record; conditions read from the bank's own terms are listed with the product.

We receive no payment from any lender for inclusion or ranking.

Data

This section is built from the bank's own published product data (its Consumer Data Right feed), with the conditions and limits that data leaves out read from the bank's own terms and pages. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:

/au/finance/savings-accounts/v1/brands/nrma-home-loans.json: this bank's accounts and every balance band, its best rates first.
/au/finance/savings-accounts/v1/rates.json: every bank's rate rows in one file.
/au/finance/savings-accounts/v1/best.json: the banks ranked per segment, rate kind and balance.
/au/finance/savings-accounts/v1/index.json: dataset index, including every per-bank file.
the bank's live CDR transaction and savings account feed (needs an x-v header).

Home loans

NRMA Home Loans publishes 2 home loan products in its product data, giving 102 rates (37 variable and 65 fixed). Rates are per annum as published by the bank. The comparison rate is the bank's own figure, which the National Credit Code requires it to calculate on a $150,000 loan over 25 years; it folds in fees and charges, so it is a guide to the cost of a loan of that size only. Offset and redraw are features of the product, as the bank publishes them, and may not apply while a rate is fixed.

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Products

Basic Home Loanredraw · upfront fees $495.40 · ongoing fees $0 p.a. · exit fees $350 · max LVR 80% · 36 rates · bank · source
For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees.
Offset Home Loanoffset account and redraw · upfront fees $495.40 · ongoing fees $180 p.a. · exit fees $350 · max LVR 95% · 66 rates · bank · source
For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.

Rates

Product

Purpose

Repayment

Rate type

102 of 102 rates shown

Product	Rate type	Rate p.a.	Comparison at $150,000	Purpose	Repayment	LVR	Loan	Conditions	Bank updated	Source
Basic Home Loan	Variable	6.44%	6.48%	Owner-occupied	Principal & interest	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.44%	6.64%	Owner-occupied	Principal & interest	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.44%	6.48%	Owner-occupied	Principal & interest	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.44%	6.64%	Owner-occupied	Principal & interest	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.53%	6.57%	Owner-occupied	Principal & interest	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.53%	6.73%	Owner-occupied	Principal & interest	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.58%	6.62%	Owner-occupied	Principal & interest	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.58%	6.78%	Owner-occupied	Principal & interest	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Variable	6.83%	7.03%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Variable	7.38%	7.58%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 1 year	6.59%	6.62%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.59%	6.78%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.79%	7.02%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.79%	7.51%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 2 years	6.59%	6.62%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.59%	6.78%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.79%	7.02%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.79%	7.45%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 3 years	6.69%	6.65%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 3 years	6.69%	6.81%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 3 years	6.89%	7.05%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 3 years	6.89%	7.43%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 4 years	6.79%	6.70%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 4 years	6.79%	6.86%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 4 years	6.99%	7.09%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 4 years	6.99%	7.43%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 5 years	6.79%	6.71%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 5 years	6.79%	6.87%	Owner-occupied	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 5 years	6.99%	7.10%	Owner-occupied	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 5 years	6.99%	7.40%	Owner-occupied	Principal & interest	90.01–95%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.52%	6.95%	Owner-occupied	Interest only	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.52%	7.10%	Owner-occupied	Interest only	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.54%	6.96%	Owner-occupied	Interest only	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.54%	7.11%	Owner-occupied	Interest only	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.59%	7.03%	Owner-occupied	Interest only	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.59%	7.18%	Owner-occupied	Interest only	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.64%	7.08%	Owner-occupied	Interest only	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.64%	7.23%	Owner-occupied	Interest only	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Variable	7.89%	7.49%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 1 year	7.09%	6.67%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 1 year	7.09%	6.83%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 1 year	7.29%	7.07%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 2 years	7.09%	6.72%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 2 years	7.09%	6.88%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 2 years	7.29%	7.12%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 3 years	7.19%	6.79%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 3 years	7.19%	6.95%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 3 years	7.39%	7.18%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 4 years	7.29%	6.88%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 4 years	7.29%	7.03%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 4 years	7.49%	7.26%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 5 years	7.29%	6.93%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 5 years	7.29%	7.08%	Owner-occupied	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 5 years	7.49%	7.31%	Owner-occupied	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.82%	6.86%	Investment	Principal & interest	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.82%	7.02%	Investment	Principal & interest	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.84%	6.88%	Investment	Principal & interest	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.84%	7.04%	Investment	Principal & interest	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.89%	6.93%	Investment	Principal & interest	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.89%	7.09%	Investment	Principal & interest	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	6.94%	6.98%	Investment	Principal & interest	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	6.94%	7.14%	Investment	Principal & interest	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Variable	7.19%	7.39%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 1 year	6.74%	6.96%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.74%	7.12%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.94%	7.36%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 2 years	6.74%	6.94%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.74%	7.10%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.94%	7.34%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 3 years	6.84%	6.95%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 3 years	6.84%	7.11%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 3 years	7.04%	7.34%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 4 years	6.94%	6.98%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 4 years	6.94%	7.14%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 4 years	7.14%	7.37%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 5 years	6.94%	6.98%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 5 years	6.94%	7.14%	Investment	Principal & interest	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 5 years	7.14%	7.36%	Investment	Principal & interest	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.17%	7.01%	Investment	Interest only	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.17%	7.16%	Investment	Interest only	up to 50%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.19%	7.03%	Investment	Interest only	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.19%	7.18%	Investment	Interest only	50.01–60%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.24%	7.08%	Investment	Interest only	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.24%	7.23%	Investment	Interest only	60.01–70%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Variable	7.29%	7.13%	Investment	Interest only	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Variable	7.29%	7.28%	Investment	Interest only	70.01–80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Variable	7.54%	7.53%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 1 year	6.84%	6.97%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 1 year	6.84%	7.12%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 1 year	7.04%	7.37%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 2 years	6.84%	6.96%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 2 years	6.84%	7.11%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 2 years	7.04%	7.35%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 3 years	6.94%	6.98%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 3 years	6.94%	7.13%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 3 years	7.14%	7.36%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 4 years	7.04%	7.02%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 4 years	7.04%	7.16%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 4 years	7.24%	7.39%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Basic Home Loan	Fixed 5 years	7.04%	7.02%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty	2026-11-13	source
Offset Home Loan	Fixed 5 years	7.04%	7.17%	Investment	Interest only	up to 80%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source
Offset Home Loan	Fixed 5 years	7.24%	7.40%	Investment	Interest only	80.01–90%	$50,000+	Extra repayments on fixed loans limited to $20,000 a year without penalty; Bank's page says 10% deposit minimum (90% LV…	2026-11-13	source

Hover a condition to read the bank's full wording, and a rate type for the bank's own name for it. "not stated" means the bank's feed does not say which loans a rate is for. The "source" link opens our snapshot of the bank's product record.

WARNING: 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. Comparison rates are calculated on a $150,000 secured loan over 25 years.

Data

This section is built from the bank's own published product data, plus any term it leaves out that we read from the bank's own pages and any correction where its page contradicts that data. The same records are published as JSON with a source URL and the bank's last-updated timestamp on every row:

/au/finance/home-loans/v1/brands/nrma-home-loans.json: this bank's home loan products and every rate row.
/au/finance/home-loans/v1/rates.json: all the banks' home loan rate rows in one file.
/au/finance/home-loans/v1/best.json: the banks ranked per purpose, repayment type, LVR, loan amount and rate type.
/au/finance/home-loans/v1/index.json: dataset index, including every per-bank file.
the bank's live CDR home loan feed (needs an x-v header).

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.