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NRMA Offset Home Loan

NRMA Home Loans

CDR official

For customers who want flexibility to pay down their loan sooner and access additional features such as offset accounts.

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Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

RateComparison*Applies toConditionsSourceSince
6.84%6.90%Fixed · 1 year · investment · interest only · LVR 80% or lessCDR1 Nov 2026
7.04%7.15%Fixed · 1 year · investment · interest only · LVR 80%–90%CDR1 Nov 2026
6.84%6.91%Fixed · 2 years · investment · interest only · LVR 80% or lessCDR1 Nov 2026
7.04%7.15%Fixed · 2 years · investment · interest only · LVR 80%–90%CDR1 Nov 2026
6.94%6.95%Fixed · 3 years · investment · interest only · LVR 80% or lessCDR1 Nov 2026
7.14%7.19%Fixed · 3 years · investment · interest only · LVR 80%–90%CDR1 Nov 2026
7.04%7.01%Fixed · 4 years · investment · interest only · LVR 80% or lessCDR1 Nov 2026
7.24%7.24%Fixed · 4 years · investment · interest only · LVR 80%–90%CDR1 Nov 2026
7.04%7.03%Fixed · 5 years · investment · interest only · LVR 80% or lessCDR1 Nov 2026
7.24%7.26%Fixed · 5 years · investment · interest only · LVR 80%–90%CDR1 Nov 2026
6.74%6.89%Fixed · 1 year · investment · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.94%7.14%Fixed · 1 year · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.74%6.90%Fixed · 2 years · investment · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.94%7.14%Fixed · 2 years · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.84%6.93%Fixed · 3 years · investment · principal and interest · LVR 80% or lessCDR1 Nov 2026
7.04%7.17%Fixed · 3 years · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.94%6.98%Fixed · 4 years · investment · principal and interest · LVR 80% or lessCDR1 Nov 2026
7.14%7.21%Fixed · 4 years · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.94%7.00%Fixed · 5 years · investment · principal and interest · LVR 80% or lessCDR1 Nov 2026
7.14%7.23%Fixed · 5 years · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
7.09%6.61%Fixed · 1 year · owner occupied · interest only · LVR 80% or lessCDR1 Nov 2026
7.29%6.85%Fixed · 1 year · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
7.09%6.68%Fixed · 2 years · owner occupied · interest only · LVR 80% or lessCDR1 Nov 2026
7.29%6.92%Fixed · 2 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
7.19%6.77%Fixed · 3 years · owner occupied · interest only · LVR 80% or lessCDR1 Nov 2026
7.39%7.00%Fixed · 3 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
7.29%6.87%Fixed · 4 years · owner occupied · interest only · LVR 80% or lessCDR1 Nov 2026
7.49%7.10%Fixed · 4 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
7.29%6.94%Fixed · 5 years · owner occupied · interest only · LVR 80% or lessCDR1 Nov 2026
7.49%7.17%Fixed · 5 years · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.59%6.56%Fixed · 1 year · owner occupied · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.79%6.80%Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.79%7.29%Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026
6.59%6.58%Fixed · 2 years · owner occupied · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.79%6.82%Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.79%7.26%Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026
6.69%6.63%Fixed · 3 years · owner occupied · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.89%6.87%Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.89%7.26%Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026
6.79%6.70%Fixed · 4 years · owner occupied · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.99%6.93%Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.99%7.27%Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026
6.79%6.74%Fixed · 5 years · owner occupied · principal and interest · LVR 80% or lessCDR1 Nov 2026
6.99%6.96%Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
6.99%7.26%Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026
6.92%6.91%Variable · investment · interest only · LVR 50% or lessCDR1 Nov 2026
6.94%6.93%Variable · investment · interest only · LVR 50%–60%CDR1 Nov 2026
6.99%6.98%Variable · investment · interest only · LVR 60%–70%CDR1 Nov 2026
7.04%7.03%Variable · investment · interest only · LVR 70%–80%CDR1 Nov 2026
7.29%7.28%Variable · investment · interest only · LVR 80%–90%CDR1 Nov 2026
6.57%6.77%Variable · investment · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.59%6.79%Variable · investment · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.64%6.84%Variable · investment · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.69%6.89%Variable · investment · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.94%7.14%Variable · investment · principal and interest · LVR 80%–90%CDR1 Nov 2026
7.27%6.85%Variable · owner occupied · interest only · LVR 50% or lessCDR1 Nov 2026
7.29%6.86%Variable · owner occupied · interest only · LVR 50%–60%CDR1 Nov 2026
7.34%6.93%Variable · owner occupied · interest only · LVR 60%–70%CDR1 Nov 2026
7.39%6.98%Variable · owner occupied · interest only · LVR 70%–80%CDR1 Nov 2026
7.64%7.23%Variable · owner occupied · interest only · LVR 80%–90%CDR1 Nov 2026
6.19%6.39%Variable · owner occupied · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.19%6.39%Variable · owner occupied · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.28%6.48%Variable · owner occupied · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.33%6.53%Variable · owner occupied · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.58%6.78%Variable · owner occupied · principal and interest · LVR 80%–90%CDR1 Nov 2026
7.13%7.33%Variable · owner occupied · principal and interest · LVR 90%–95%CDR1 Nov 2026

*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.

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Source

CDR officialConsumer Data Right product dataShow where this comes from
Fetched
1 Nov 2026
URL
https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f
Content hash
sha256 5aa9a45edb7bf3a7b048511587187a19d53401fd189f3b636efd65dd745ddb95
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5aa9a45edb7bf3a7_d2fcc262Show details
Checked
1 Nov 2026
URL
https://api.nrma.app.bendigobank.com.au/cds-au/v1/banking/products/e6353a5d-e8a3-4b2b-bfc9-8dd5cd79ac1f
Content hash
sha256 5aa9a45edb7bf3a7b048511587187a19d53401fd189f3b636efd65dd745ddb95
Excerpt
—
Rule version
mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

FeeTypeAmount
Establishment FeeUpfront$150.00
Application FeeUpfront$0.00
Security Processing FeeUpfront$0.00
Settlement Service FeeUpfront$345.40
Monthly Service FeePeriodic$15.00
Bank Cheque FeeEvent$10.00
Online Redraw FeeEvent$0.00
Manual Redraw Fee Event$0.00
Duplicate FeeEvent$16.50
Default FeeEvent$35.00
Variation Fee Event$250.00
Discharge Administration FeeExit$350.00
Break Cost FeeOtherSet in your letter of offer

Features and eligibility

ItemValueDetails
OffsetUp to six 100% Offset Accounts per loan. Full offset if Variable or Fixed. Offsets for QANTAS Money Home Loans must be in the same customer number as the home loan.
RedrawManual & Online redraw available
OtherMonthly repayments
Extra repaymentsUnlimited additional repayments if variable, Max $20,000 p.a without penalty for fixed loans
Eligibility: min age18
Eligibility: otherCredit and Lending Criteria, Fees and Charges Apply
Limit: min limit50000.00
Limit: max lvr0.95

Rate history

RateFromToRate p.a.Comparison
Fixed · 1 year · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.29%6.85%
Variable · owner occupied · principal and interest · LVR 50%–60%1 Nov 2026Current6.19%6.39%
Fixed · 1 year · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.09%6.61%
Variable · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current7.39%6.98%
Variable · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.58%6.78%
Fixed · 4 years · owner occupied · principal and interest · LVR 80% or less1 Nov 2026Current6.79%6.70%
Variable · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.64%7.23%
Variable · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.94%7.14%
Fixed · 4 years · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.29%6.87%
Fixed · 2 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.29%6.92%
Variable · investment · interest only · LVR 60%–70%1 Nov 2026Current6.99%6.98%
Variable · investment · principal and interest · LVR 50% or less1 Nov 2026Current6.57%6.77%
Fixed · 5 years · investment · principal and interest · LVR 80% or less1 Nov 2026Current6.94%7.00%
Fixed · 1 year · investment · interest only · LVR 80%–90%1 Nov 2026Current7.04%7.15%
Fixed · 5 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current7.14%7.23%
Fixed · 3 years · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.19%6.77%
Fixed · 4 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current7.14%7.21%
Variable · owner occupied · interest only · LVR 50% or less1 Nov 2026Current7.27%6.85%
Fixed · 3 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.39%7.00%
Fixed · 3 years · investment · interest only · LVR 80%–90%1 Nov 2026Current7.14%7.19%
Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.89%6.87%
Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.99%6.96%
Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.79%6.82%
Fixed · 4 years · investment · interest only · LVR 80% or less1 Nov 2026Current7.04%7.01%
Fixed · 2 years · investment · interest only · LVR 80%–90%1 Nov 2026Current7.04%7.15%
Fixed · 2 years · owner occupied · principal and interest · LVR 80% or less1 Nov 2026Current6.59%6.58%
Fixed · 3 years · investment · interest only · LVR 80% or less1 Nov 2026Current6.94%6.95%
Variable · investment · interest only · LVR 50% or less1 Nov 2026Current6.92%6.91%
Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.79%6.80%
Fixed · 2 years · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.09%6.68%
Variable · investment · principal and interest · LVR 60%–70%1 Nov 2026Current6.64%6.84%
Fixed · 4 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.99%7.27%
Fixed · 5 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.99%7.26%
Fixed · 4 years · investment · principal and interest · LVR 80% or less1 Nov 2026Current6.94%6.98%
Fixed · 5 years · owner occupied · principal and interest · LVR 80% or less1 Nov 2026Current6.79%6.74%
Variable · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.33%6.53%
Variable · owner occupied · interest only · LVR 60%–70%1 Nov 2026Current7.34%6.93%
Variable · owner occupied · principal and interest · LVR 60%–70%1 Nov 2026Current6.28%6.48%
Variable · investment · interest only · LVR 50%–60%1 Nov 2026Current6.94%6.93%
Fixed · 5 years · investment · interest only · LVR 80% or less1 Nov 2026Current7.04%7.03%
Fixed · 2 years · investment · principal and interest · LVR 80% or less1 Nov 2026Current6.74%6.90%
Fixed · 4 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.49%7.10%
Fixed · 5 years · investment · interest only · LVR 80%–90%1 Nov 2026Current7.24%7.26%
Variable · owner occupied · interest only · LVR 50%–60%1 Nov 2026Current7.29%6.86%
Fixed · 1 year · investment · principal and interest · LVR 80% or less1 Nov 2026Current6.74%6.89%
Fixed · 1 year · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.79%7.29%
Fixed · 4 years · owner occupied · principal and interest · LVR 80%–90%1 Nov 2026Current6.99%6.93%
Variable · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.69%6.89%
Fixed · 2 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.79%7.26%
Fixed · 1 year · investment · interest only · LVR 80% or less1 Nov 2026Current6.84%6.90%
Fixed · 3 years · owner occupied · principal and interest · LVR 80% or less1 Nov 2026Current6.69%6.63%
Variable · owner occupied · principal and interest · LVR 50% or less1 Nov 2026Current6.19%6.39%
Fixed · 3 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current7.04%7.17%
Fixed · 2 years · investment · interest only · LVR 80% or less1 Nov 2026Current6.84%6.91%
Fixed · 1 year · owner occupied · principal and interest · LVR 80% or less1 Nov 2026Current6.59%6.56%
Fixed · 3 years · investment · principal and interest · LVR 80% or less1 Nov 2026Current6.84%6.93%
Variable · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current7.13%7.33%
Fixed · 5 years · owner occupied · interest only · LVR 80% or less1 Nov 2026Current7.29%6.94%
Variable · investment · interest only · LVR 80%–90%1 Nov 2026Current7.29%7.28%
Variable · investment · principal and interest · LVR 50%–60%1 Nov 2026Current6.59%6.79%
Fixed · 3 years · owner occupied · principal and interest · LVR 90%–95%1 Nov 2026Current6.89%7.26%
Fixed · 1 year · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.94%7.14%
Variable · investment · interest only · LVR 70%–80%1 Nov 2026Current7.04%7.03%
Fixed · 2 years · investment · principal and interest · LVR 80%–90%1 Nov 2026Current6.94%7.14%
Fixed · 4 years · investment · interest only · LVR 80%–90%1 Nov 2026Current7.24%7.24%
Fixed · 5 years · owner occupied · interest only · LVR 80%–90%1 Nov 2026Current7.49%7.17%

*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.

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