Your Bank Advisor

Home
Home loans
Home loans with offset accounts

Mortgages with offset accounts

See a list of the top home loans with offset accounts

Updated: 01.09.2026

Quick Search

Quick Rates Review

Compare top financial options at a glance. Comprehensive analysis for each listed offer is available further down the page

Institution

Rate (APR/APY)

Sum & Term

Queensland Country Bank

5.74%

Flexible Amount

10950 days

G&C Mutual Bank

5.8%

Up to $100,000

10950 days

G&C Mutual Bank

5.9%

Flexible Amount

14600 days

Queensland Country Bank

5.99%

Flexible Amount

10950 days

Commonwealth Bank (CBA)

6.09% - 7.95%

Flexible Amount

Flexible Term

Bank of Melbourne

6.14% - 6.34%

Flexible Amount

Flexible Term

Bank of Queensland (BOQ)

6.14% - 9.12%

Up to $150,000

1825 days

Gateway Bank

6.15%

Flexible Amount

Flexible Term

Gateway Bank

6.15%

Flexible Amount

Flexible Term

Bankwest

6.19% - 8.37%

$20,000 - $10,000,000

10950 days

Bankwest

6.19% - 8.37%

$200,000 - $10,000,000

10950 days

IMB Bank

6.24%

Up to $10,000

10950 days

Regional Australian Bank

6.24%

Up to $500

10950 days

Queensland Country Bank

6.24%

Flexible Amount

10950 days

Greater Bank

6.29%

Flexible Amount

10950 days

Regional Australian Bank

6.36%

Up to $500

10950 days

Bank of Sydney

6.39% - 7.14%

Flexible Amount

9125 days

Bankwest

6.49% - 6.89%

$20,000 - $10,000,000

12 - 10950 days

Bank of Sydney

6.59% - 7.14%

Flexible Amount

9125 days

St. George Bank

7.39%

Flexible Amount

Flexible Term

Gateway Bank

8.68%

Flexible Amount

Flexible Term

Gateway Bank

8.68%

Flexible Amount

Flexible Term

Queensland Country Bank

8.74%

Flexible Amount

10950 days

Quick Expert Insights

Interest Rates

Average:6.56%

Range:5.74% - 9.12%

Product Term

Minimum: 12 days

Maximum: 40 years

Limit / Amount

Min Entry:$500

Max Limit:$10,000,000

Analysis of 23 offers shows an average rate of 6.56%, with the absolute market maximum reaching 9.12%. Flexible terms from 12 days are available at Bankwest, while G&C Mutual Bank offers terms up to 40 years . The lowest entry is $500 (via Regional Australian Bank).

Full Products Review

In-depth analysis of available financial offers. Compare detailed terms and explore expert insights to choose the most suitable option for your needs.

Filter By Institution:

ANZ Bank

ANZ One Offset Account

💰 Fees & Rates

Monthly servicing fee: $10
Transaction fees: Funds can be accessed as a standard transaction account

📋 Important Terms

Eligibility: Must be linked to an eligible ANZ home or investment loan
Compatible Loans: ANZ Standard Variable (Personal, Investment, Land, Company) and 1-year ANZ Fixed Rate loans
Mechanism: Daily balance in the account is subtracted from the loan principal before interest calculation
Functionality: Provides full access to funds while reducing interest and shortening the loan term

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The ANZ One Offset account is a high-utility tool for borrowers with significant cash reserves, offering a distinct advantage over the Canadian "Big Five" (such as RBC or TD), where 100 percent offset accounts are less common than traditional prepayment options. Its primary advantage is the perfect liquidity it provides—money remains fully accessible while effectively "earning" the mortgage interest rate in tax-free savings. The main disadvantage is the $10 monthly fee and its limited availability on fixed-rate terms longer than one year. This product is best suited for disciplined savers or business owners who maintain high rolling balances and want to maximize interest savings without locking their cash away.

📍 View official contacts for ANZ Bank

Bank of Melbourne

Variable home loan with offset

Rate: 6.14% - 6.34%

💰 Fees & Rates

Lending establishment fee: $600.
Monthly loan account fee: $8 (waived with Advantage Package).
Advantage Package annual fee: $395.
No annual credit card fee for the life of the Advantage Package.

📋 Important Terms

LVR Requirement: Rates apply for LVR up to 70% (minimum 30% deposit).
Repayment Type: New loans on Principal & Interest repayments.
Features: Full interest offset account facility and unlimited redraw on additional repayments.
Flexibility: Option to split loan into fixed and variable parts.
Repayment Holidays: Available for a set term (subject to application).
Family Pledge: Option to use family member's home equity as a guarantee.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this home loan is the full offset account and unlimited redraw facility, which provides superior flexibility for borrowers to reduce interest costs. The primary disadvantage is the high $395 annual package fee, which may offset savings for borrowers with smaller loan balances. Compared to Canada's Big Five banks like RBC or TD, which typically offer segmented mortgage products with less flexible offset options, the Bank of Melbourne Advantage Package provides a more integrated banking experience. It is best suited for Australian owner-occupiers and investors with at least a 30% deposit who plan to maintain high savings in an offset account to effectively lower their interest burden.

📍 View official contacts for Bank of Melbourne

Bank of Melbourne

Home loan package

💰 Fees & Rates

Annual package fee: $395.
Lending Establishment fee: $0.
Monthly loan account fee: $0.
Credit card annual fee: $0.

📋 Important Terms

Minimum loan amount: $150,000.
Owner occupier Standard variable discount: 2.30% p.a.
Investor Standard variable discount: 2.68% p.a.
Fixed interest rate discount: 0.20% p.a.
Home/Landlord Insurance: Up to 10% premium discount.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of the Home loan package is the significant interest rate discount and the waiver of setup and monthly fees, which can save over $750 in the first year. The primary disadvantage is the $395 annual fee, which applies regardless of the number of home loans held. Compared to Canada's Big Five banks like RBC or BMO, this package offers a more consolidated approach by bundling credit cards and insurance with the mortgage. It is best suited for borrowers with loans over $150,000 who want to maximize savings through multiple financial products from a single lender.

📍 View official contacts for Bank of Melbourne

Bank of Queensland (BOQ)

Clear Path Variable Home Loan

Rate: 6.14% - 9.12%

Sum: $150,000

Term: 5 years

💰 Fees & Rates

Application fee: Nil
Valuation fee: One free valuation per home loan application
Monthly fee: $10 (Charged to your loan account on each repayment date)
Redraw fee: No fee ($100 minimum withdrawal applies)
Settlement fee: $150
Other fees and charges may be payable according to the Personal Banking Guide to Fees and Charges

📋 Important Terms

Available for Owner-Occupied and Investment homes.
Eligible for new and existing customers for new lending only (not available for refinance or restructure of existing BOQ lending).
Minimum loan amount of $150,000 applies to qualify for specific discounted LVR rates.
Maximum Loan to Value Ratio (LVR) is up to 95% for Principal and Interest repayments, or up to 90% for Interest-Only repayments.
Interest-only option has a maximum term of 5 years and is subject to approval.
Construction home loans allow borrowing up to 90% of maximum LVR inclusive of Lender Mortgage Insurance, with interest-only rate applicable during the construction period.
Mortgage offset feature is available for loans in personal names only.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this product is its high flexibility, offering a 100% mortgage offset account, split loan options, and unlimited free redraws alongside competitive discounted rates for low LVR tiers. The primary disadvantage is the ongoing $10 monthly account fee and the strict restriction making discounted rates available for new lending only, excluding existing BOQ refinancing. Compared to standard variable products from Canada Big Five banks, this package offers highly competitive entry rates under 6.30% for borrowers with at least a 10% to 20% equity deposit. This product is best suited for new owner-occupiers or property investors seeking a feature-rich variable loan who intend to actively use an offset account or extra repayments to reduce interest expenses.

📍 View official contacts for Bank of Queensland (BOQ)

Bank of Sydney

Expect More Investment Home Loan

Rate: 6.59% - 7.14%

Term: 25 years

💰 Fees & Rates

Application Fee	$0
Settlement Fee	$200
Legal Fees	$250.00 fixed fee plus $100.00 per additional security
Valuation Fees	Covered by package up to $420
Access Redraw	$0
Package Fee	$125.00 p.a. per Offset account

📋 Important Terms

Features a 100% offset account to assist in saving on interest charges.
Includes a fee-free redraw facility accessible through online internet banking.
Permits borrowers to execute extra repayments with no extra cost overheads.
Available for investment property financing with tier-structured pricing up to an LVR of 90%.
Lenders Mortgage Insurance applies for borrowing options exceeding an 80% LVR threshold.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this investment package is the inclusion of a 100% interest offset account alongside zero application and redraw fees, allowing property investors to maximize liquidity management and minimize interest expenses. The main disadvantage is the ongoing annual package fee of $125 per offset account coupled with higher premium interest rates on higher LVR tiers above 80%. When evaluated against similar investment loan offerings from Canada Big Five institutions like Scotiabank or CIBC, this product provides highly competitive entry pricing for lower-leverage tiers (up to 60% LVR) and flexible repayment rules, making it an excellent match for seasoned real estate investors seeking to use rental cash flow to offset debt aggressively.

📍 View official contacts for Bank of Sydney

Bank of Sydney

Expect More Home Loan

Rate: 6.39% - 7.14%

Term: 25 years

💰 Fees & Rates

Package Fee	$125 p.a. per Offset account
Discharge of Mortgage Fee	$400.00 per security (plus legal costs)
Settlement Fee	$200.00
Legal Fees	$250.00 fixed fee plus $100 per additional security
Valuation Fees	Up to $420.00 per application covered by BOS
Variation Fee	$300.00

📋 Important Terms

Features a 100% offset account and free redraw facility via Internet Banking.
Allows extra repayments at no extra cost.
Offers both fixed and variable interest rate options.
Lenders Mortgage Insurance (LMI) applies for LVRs over 80%.
LMI waiver available for select qualified professionals up to 90% LVR (including Medical, Accounting, Legal, Engineering, Finance, and Pilots).

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of this product is its flexibility, providing a 100% offset account alongside free redraws and an LMI waiver for selected professionals, which helps reduce the total interest paid over time. The main disadvantage is the ongoing $125 annual package fee per offset account coupled with a slightly higher baseline interest rate than standard basic basic products. When compared to basic and feature-rich packages offered by Canada's Big Five banks (such as RBC or BMO), this loan stands out for its structural offset efficiency and high LVR flexibility, making it an ideal choice for disciplined savers and high-earning professionals who can actively leverage the offset balance to mitigate interest costs.

📍 View official contacts for Bank of Sydney

Bankwest

Complete Variable Home Loan Package

Rate: 6.19% - 8.37%

Sum: $200,000 - $10,000,000

Term: 30 years

💰 Fees & Rates

$395 annual package fee
$0 loan maintenance fee
$0 application fee
$350 settlement processing fee
$295 loan increase fee
$338 discharge fee
$0 progress payment fees for construction loans

📋 Important Terms

Variable interest rates match the primary tiers: from 6.19% p.a. for LVR up to 60% up to 8.37% p.a. for extreme LVR up to 98% (comparison rates are higher due to the annual fee, e.g., 6.58% p.a. for the lowest tier)
Requires a higher minimum entry loan amount of $200,000
Enables the option to link up to nine 100% interest offset accounts with $0 individual monthly maintenance fees
Includes an optional eligible Bankwest credit card (such as Breeze, More, or Qantas Mastercard) with an ongoing annual fee waiver
Allows unlimited additional repayments and unconstrained redraw access on the variable balance without penalty
Provides full flexibility to split the total loan balance between variable and fixed rate tranches

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of the Complete Variable Home Loan is its ultimate flexibility, packaging 100% interest offsetting capabilities across up to nine individual accounts alongside an annual fee waiver on premium credit cards. The primary disadvantage is the unavoidable $395 annual subscription cost, which inflates the underlying comparison rate and requires substantial offset balances to financially justify the overhead. Compared to premium banking packages at Canada Big Five institutions like the BMO Premium Plan or CIBC Smart Plus Package—which waive credit card fees if specific high-balance thresholds are continuously met in checking repositories—Bankwest embeds these rewards directly into the mortgage structure itself. This product is best suited for active wealth accumulators and home buyers borrowing over $200,000 who carry large rolling cash reserves across multiple personal accounts, letting them leverage full offsetting power to aggressively cut down long-term interest costs.

📍 View official contacts for Bankwest

Bankwest

Simple Home Loan

Rate: 6.19% - 8.37%

Sum: $20,000 - $10,000,000

Term: 30 years

💰 Fees & Rates

$0 annual fee
$0 loan maintenance fee
$0 application fee (normally $695, currently waived)
$350 settlement processing fee
$295 loan increase fee
$338 discharge fee
$0 progress payment fees for construction loans

📋 Important Terms

Variable interest rates scale based on Loan-to-Value Ratio (LVR): from 6.19% p.a. (comparison rate 6.22% p.a.) for LVR up to 60%, up to 837% p.a. (comparison rate 8.40% p.a.) for LVR up to 98%
Minimum loan amount is $20,000 and maximum loan amount is $10,000,000
Includes a built-in redraw facility (minimum $1,000 per redraw online)
Allows extra repayments up to $10,000 p.a. without incurring penalties
An offset account facility is optional but triggers a $10 monthly fee per account if utilized
Lenders Mortgage Insurance (LMI) applies to borrowings where the down payment is less than 20% (LVR over 80%)

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of the Bankwest Simple Home Loan is its streamlined, low-overhead design that features a $0 annual package fee and an ongoing waiver on construction progress costs. The primary disadvantage is that attaching an offset account breaks the fee-free structure by adding an administrative charge of $10 per month, and extra penalty-free repayments are strictly capped at $10,000 annually. Compared to basic variable mortgages at Canada Big Five institutions—such as the RBC Variable Rate Mortgage or TD Variable Rate Term Mortgage, which provide full prepayment privileges up to 10% or 20% of the original principal annually without structural penalties—Bankwest restricts your acceleration speed but offers a highly liquid redraw tier. This loan is best suited for owner-occupiers with a strong deposit profile (LVR under 60% or 80%) who want to capture a competitive base rate of 6.19% to 6.24% p.a. without paying a steep annual package fee, provided they do not intend to heavily optimize their debt using multiple offset accounts.

📍 View official contacts for Bankwest

Bankwest

Complete Fixed Home Loan Package

Rate: 6.49% - 6.89%

Sum: $20,000 - $10,000,000

Term: 12 days - 30 years

💰 Fees & Rates

$0 annual fee (unless attached to the Complete Package for $395/year)
$350 settlement processing fee
$338 discharge fee
Early repayment adjustment fees may apply if broken or overpaid during the fixed period

📋 Important Terms

Locks in a fixed interest rate for a strict 12-month timeline: 6.49% p.a. for an LVR up to 80% or 6.89% p.a. for an LVR between 80.01% and 90%
Comparison rates reflect a steep shift back to standard variable rates at maturity (e.g., 7.32% p.a. to 8.78% p.a. depending on standalone or packaged setup)
Protects the borrower from any upward interest rate movements over the 1-year duration
Prepayment capacity is heavily restricted; exceeding the minor annual allowance triggers break costs
Can be executed as a standalone loan or as part of a split loan strategy alongside a variable account

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage of the 1-Year Fixed Rate Home Loan is short-term repayment certainty, shielding the borrower from interest rate hikes while giving them time to plan long-term financial strategies. The main disadvantage is that the fixed interest rates are noticeably higher than the introductory variable baselines, and early refinancing or making large extra payments triggers steep economic break costs. Compared to 1-year fixed terms at Canada Big Five banks like Scotiabank or TD—where short-term fixed options carry rigid rules and minimal customization—Bankwest lets you easily integrate the fixed term into a split structure alongside packaged offset accounts. This product is best suited for risk-averse homeowners or property investors who anticipate near-term market instability and want absolute cash flow predictability over the next 12 months without committing to a long-term contract.

📍 View official contacts for Bankwest

Commonwealth Bank (CBA)

Standard Variable Rate home loan

Rate: 6.09% - 7.95%

💰 Fees & Rates

Non-refundable annual fee: 395 AUD payable in advance for the Wealth Package

📋 Important Terms

Discount margins vary based on Loan to Value Ratio (LVR) tiers up to 95% Freedom to split the loan and utilize multiple Everyday Offset accounts Interest Only payments available for up to 5 years (Owner Occupied) or 15 years (Investment) Minimum top-up amount is 10000 AUD Variable rate is not protected from interest rate increases

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The Standard Variable Rate home loan bundled with the Wealth Package offers immense flexibility, particularly the ability to link multiple offset accounts and split the loan. The primary disadvantage is the steep 395 AUD annual fee, which makes it less cost-effective for smaller loan balances. When compared to premium variable packages from Westpac or ANZ, CommBank provides highly competitive LVR-tiered discounts. This product is best suited for borrowers with large loan balances who require complex loan structuring and can fully utilize multiple offset accounts to minimize their ongoing interest.

📍 View official contacts for Commonwealth Bank (CBA)

Gateway Bank

Construction Loan

Rate: 8.68%

Gateway Bank

Premium Package Home Loan

Rate: 6.15%

Gateway Bank

Premium Package Home Loan

Rate: 6.15%

Gateway Bank

Land Loan

Rate: 8.68%

G&C Mutual Bank

Essential Worker Home Loan

Rate: 5.8%

Sum: $100,000

Term: 30 years

G&C Mutual Bank

First Home Buyer Loan - Owner Occupied Special Offer

Rate: 5.9%

Term: 40 years

Greater Bank

Ultimate Home Loan

Rate: 6.29%

Term: 30 years

IMB Bank

Essentials Home Loan

Rate: 6.24%

Sum: $10,000

Term: 30 years

NAB

NAB Offset Account

💰 Fees & Rates

Fee information for the offset account is not specified in the provided text.

📋 Important Terms

Links a transaction account to a variable rate home loan. Interest is charged on the difference between the balances of the home loan and the offset account. Users can link up to 10 eligible deposit accounts to act as offsets. The combined balance across all linked accounts is used to calculate interest. Helps to reduce the home loan term and total interest paid.

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The primary advantage of the NAB Offset Account is the flexibility provided by the "multiple offset" feature, allowing up to 10 accounts to be linked for better money management and "bucketing". This system ensures that every dollar in a linked account reduces the interest charged on the home loan. The main drawback is that it must be linked to an eligible variable rate home loan, which may not suit those preferring a fixed rate. Compared to other Big Four banks, NAB's 10-account limit is highly competitive for simplifying complex household budgets. This product is best suited for borrowers with significant savings across various goals who want to maximize their interest reduction while keeping their funds accessible.

📍 View official contacts for NAB

Queensland Country Bank

Standard Variable Rate Home Loan

Rate: 8.74%

Term: 30 years

Queensland Country Bank

Ultimate Home Loan Package (Variable)

Rate: 5.99%

Term: 30 years

Queensland Country Bank

Fixed Rate Home Loan

Rate: 6.24%

Term: 30 years

Queensland Country Bank

Ultimate Home Loan Package (Fixed)

Rate: 5.74%

Term: 30 years

Regional Australian Bank

Mortgage Offset Home Loan

Rate: 6.24%

Sum: $500

Term: 30 years

Regional Australian Bank

Partnership Advantage Home Loan

Rate: 6.36%

Sum: $500

Term: 30 years

St. George Bank

Variable home loan with offset

Rate: 7.39%

Westpac Bank

Rocket Home Loan Offset

💰 Fees & Rates

395 AUD annual home loan package fee 5 AUD monthly account-keeping fee for linked Choice account (may be waived if linked to Rocket loan) 0 AUD redraw fee 0 AUD credit card annual fee for Altitude Black when packaged

📋 Important Terms

Link up to 10 separate everyday offset accounts to a single Rocket home loan 100% interest offset where every dollar in linked accounts reduces daily interest calculations Access to a Debit Mastercard and Global ATM Alliance No minimum balance required for linked transaction accounts Integration with the Westpac App for tracking multiple budgeting "buckets" Option to package the loan for interest rate discounts and additional fee waivers

💡 Adviser’s Tip

Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

Westpac’s multiple offset feature is a significant differentiator among the Big Four, as it allows for up to 10 separate accounts whereas Commonwealth Bank, NAB, and ANZ typically offer a more limited number of linked offsets. The main advantage is the superior budgeting control, allowing borrowers to categorize funds into multiple "buckets" while simultaneously maximizing interest savings. The primary disadvantage is that home loans with offset features generally carry higher interest rates or an annual package fee of 395 AUD compared to basic variable products. This feature is best suited for organized homeowners or investors who maintain high cash balances and want to use their daily liquidity to reduce mortgage interest without sacrificing fund accessibility.

📍 View official contacts for Westpac Bank

Author: Prostobank Consulting

Video Guides

Watch our expert video reviews to navigate Australian banking with ease.

Contacts of companies offering the financial services:

ANZ Bank

Address: 833 Collins Street

Contact: 13-13-14

Web: www.anz.com

SWIFT: ANZBAU3M

Stock: ANZ

Bank of Melbourne

Address: 525 Collins Street

Contact: 13 22 66

Web: www.bankofmelbourne.com.au

SWIFT: SGBLAU2S

Stock: WBC

Bank of Melbourne

Address: 525 Collins Street

Contact: 13 22 66

Web: www.bankofmelbourne.com.au

SWIFT: SGBLAU2S

Stock: WBC

Bank of Queensland (BOQ)

Address: 100 Skyring Terrace

Contact: 1300 55 72 72

Web: www.boq.com.au

SWIFT: QBANAU4B

Stock: BOQ

Bank of Sydney

Address: 62 Pitt Street

Contact: 13 95 00

Web: www.banksyd.com.au

SWIFT: LIKIAU2S

Bank of Sydney

Address: 62 Pitt Street

Contact: 13 95 00

Web: www.banksyd.com.au

SWIFT: LIKIAU2S

Bankwest

Address: 300 Murray St

Contact: 13 17 19

Web: www.bankwest.com.au

SWIFT: BKWAAU6P

Stock: CBA

Bankwest

Address: 300 Murray St

Contact: 13 17 19

Web: www.bankwest.com.au

SWIFT: BKWAAU6P

Stock: CBA

Bankwest

Address: 300 Murray St

Contact: 13 17 19

Web: www.bankwest.com.au

SWIFT: BKWAAU6P

Stock: CBA

Commonwealth Bank (CBA)

Address: 1 Harbour St

Queensland Country Bank

Address: 333 Ross River Rd

Contact: 1 800 075 078

Web: www.queenslandcountry.bank

SWIFT: QCCNAU41

Queensland Country Bank

Address: 333 Ross River Rd

Contact: 1 800 075 078

Web: www.queenslandcountry.bank

SWIFT: QCCNAU41

Queensland Country Bank

Address: 333 Ross River Rd

Contact: 1 800 075 078

Web: www.queenslandcountry.bank

SWIFT: QCCNAU41

Queensland Country Bank

Address: 333 Ross River Rd

Contact: 1 800 075 078

Web: www.queenslandcountry.bank

SWIFT: QCCNAU41

Web: www.stgeorge.com.au

SWIFT: SGBLAU2S

Stock: WBC

Westpac Bank

Address: 275 Kent Street

Contact: 13 20 32

Web: www.westpac.com.au

SWIFT: WPACAU2S

Stock: WBC

Find bank, branch or ATM

Locate the nearest financial services, interactive maps, and contact details across Australia.

Amount, $	Rate, %	Accrued %, $
100,000	5.65%	56,971
100,000	5.75%	57,979
100,000	5.85%	58,988
150,000	5.95%	89,994
150,000	6.05%	91,506
150,000	6.15%	93,019
200,000	6.25%	126,042
200,000	6.35%	128,058
200,000	6.45%	130,075
250,000	6.55%	165,115
250,000	6.65%	167,635
250,000	6.75%	170,156