Offset 房贷利率追踪
只收带对冲账户（offset）的浮动房贷产品，共对比 31 家贷款机构。
利率每周日更新。 数据日期: 2026年9月4日 · 下次更新: 2026年9月6日
四大银行
单独列出仅供参考，不按利率排名。 参考价 · 可议
四大行的实际利率逐案议价——具体折扣取决于您的贷款金额、LVR 和自身情况。
| 银行 | 利率 | 比较利率* | 产品 | 对冲账户 | 年费 |
|---|---|---|---|---|---|
 ANZ | 6.20% | 6.20% | Standard Variable with Offset | 100% | $0 |
 Westpac | 6.20% | 6.55% | Rocket Repay Home Loan Package | 100% | $395 |
 CBA利率复核中 | 6.21% | 6.57% | MAV Variable | 100% | $395 |
 NAB | 6.32% | 6.44% | Tailored Variable with Offset | 100% | $144 |
其他贷款机构
按利率从低到高排序。
| # | 银行 | 利率 | 比较利率* | 产品 | 对冲账户 | 年费 |
|---|---|---|---|---|---|---|
| 1 |  People First Bank | 6.09% | 6.09% | Basic Variable Home Loan with Offset | 100% | $0 |
| 2 |  Macquarie | 6.09% | 6.33% | Offset Package Home Loan | 100% | $248 |
| 3 |  ME Bank | 6.09% | 6.45% | CompleteME Home Loan | 100% | $395 |
| 4 |  ING | 6.14% | 6.43% | Orange Advantage | 100% | $299 |
| 5 |  Bank of Us | 6.14% | — | Topline Home Loan | 100% | — |
| 6 |  UBank | 6.14% | — | Flex Variable Home Loan | 100% | — |
| 7 |  Suncorp Bank | 6.18% | 6.18% | Home Package Plus | 100% | $0 |
| 8 |  Bendigo Bank | 6.18% | 6.35% | Flex Home Loan | 100% | $180 |
| 9 |  Bank Australia | 6.18% | 6.35% | Offset Home Loan | 100% | $199 |
| 10 |  Qudos Bank利率复核中 | 6.18% | 6.35% | Low Cost Home Loan (Value Package) | 100% | $199 |
| 11 |  St.George | 6.18% | 6.53% | Advantage Package Loan | 100% | $395 |
| 12 |  MyState | 6.19% | 6.24% | Special Residential Home Loan | 100% | $0 |
| 13 |  Auswide Bank | 6.19% | 6.53% | Home Loan Plus with Freedom Package | 100% | $395 |
| 14 |  Teachers Mutual | 6.19% | — | Your Way Plus | 100% | — |
| 15 |  Bankwest | 6.24% | 6.61% | Complete Variable Home Loan | 100% | $395 |
| 16 |  Great Southern Bank | 6.29% | 6.35% | Offset Variable | 100% | $0 |
| 17 |  AMP | 6.29% | 6.67% | Professional Package | 100% | $415 |
| 18 |  Bank of Sydney | 6.39% | 6.53% | Expect More Home Loan | 100% | $125 |
| 19 |  Granite | 6.39% | — | Standard Prime with Offset | 100% | $0 |
| 20 |  Resimac | 6.49% | 6.76% | Prime Flex | 100% | $299 |
| 21 |  Firstmac | 6.54% | — | Standard Variable | 100% | $0 |
| 22 |  Brighten | 6.59% | — | Empower Prime with Offset Full Doc | 100% | $0 |
| 23 |  MA Money | 6.89% | — | Prime Full Doc | — | $0 |
| 24 |  La Trobe Financial | 6.99% | — | Full Doc (Credit Grade A) | — | — |
| 25 |  Pepper | 7.09% | — | Prime Full Doc | 100% | $120 |
| 26 |  Bluestone | 7.14% | — | Prime Full Doc | 100% | $180 |
| 27 |  Liberty Financial | 7.19% | 7.26% | Prime Star (AAA) | 100% | $0 |
* 比较利率（comparison rate）按 $150,000、25 年期的法定口径计算。法定英文警告原文：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.
以上是我们持有授权资质、且实际在合作递件的贷款机构。这是一份精选名单，并非市场上的全部贷款机构。
有更优的内部定价
部分贷款机构目前针对特定情形提供低于挂牌价的定价。这些价格不公开发布，且经常变动。
联系我们，了解您的情况能拿到什么价格。
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近期利率变动
- Teachers MutualYour Way Plus6.29% → 6.19%-0.10于 2026-09-04
- Bank of UsTopline Home Loan6.19% → 6.14%-0.05于 2026-09-04
- BluestonePrime Full Doc6.89% → 7.14%+0.25于 2026-09-02
- La Trobe FinancialFull Doc (Credit Grade A)6.84% → 6.99%+0.15于 2026-09-02
- Auswide BankHome Loan Plus with Freedom Package6.09% → 6.19%+0.10于 2026-09-02
- MyStateSpecial Residential Home Loan6.09% → 6.19%+0.10于 2026-09-02
- BluestonePrime Full Doc7.14% → 6.89%-0.25于 2026-08-17
重要提示
以上利率仅供参考，为上述日期采集。您实际能拿到的利率取决于您的收入、首付、信用记录、贷款金额以及贷款机构届时的审批评估——四大行尤其逐案议价。本页数字不构成信贷要约，也不构成任何产品适合您的推荐。贷款机构可能随时调整利率，恕不另行通知。请在做决定前与我们联系。
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