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Home
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Rates and fees
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Home loan rates and fees

Our latest variable and fixed rates for new customers who are looking for owner occupier or investment home loans.

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What's on this page

What's on this page

Basic Home Loan

Effective 5 December 2024
Owner occupied
Investment

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.13
%
6.18
%
LVR ≤70%
This is some text inside of a div block.
6.13
%
6.18
%
LVR ≤80%
This is some text inside of a div block.
6.14
%
6.19
%
LVR ≤90%
This is some text inside of a div block.
6.39
%
6.44
%
LVR >90%
This is some text inside of a div block.
6.65
%
6.70
%
Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
6.13%
6.18%
LVR ≤70%
6.13%
6.18%
LVR ≤80%
6.14%
6.19%
LVR ≤90%
6.39%
6.44%
LVR >90%
6.65%
6.70%

Fixed

LVR ≤60%
This is some text inside of a div block.
1
Year
5.99
%
6.16
%
LVR ≤60%
This is some text inside of a div block.
2
Year
5.94
%
6.14
%
LVR ≤60%
This is some text inside of a div block.
3
Year
5.94
%
6.12
%
LVR ≤60%
This is some text inside of a div block.
5
Year
5.94
%
6.09
%
LVR ≤70%
This is some text inside of a div block.
1
Year
5.99
%
6.16
%
LVR ≤70%
This is some text inside of a div block.
2
Year
5.94
%
6.14
%
LVR ≤70%
This is some text inside of a div block.
3
Year
5.94
%
6.12
%
LVR ≤70%
This is some text inside of a div block.
5
Year
5.94
%
6.09
%
LVR ≤80%
This is some text inside of a div block.
1
Year
5.99
%
6.17
%
LVR ≤80%
This is some text inside of a div block.
2
Year
5.94
%
6.15
%
LVR ≤80%
This is some text inside of a div block.
3
Year
5.94
%
6.13
%
LVR ≤80%
This is some text inside of a div block.
5
Year
5.94
%
6.10
%
LVR ≤90%
This is some text inside of a div block.
1
Year
6.19
%
6.42
%
LVR ≤90%
This is some text inside of a div block.
2
Year
6.14
%
6.39
%
LVR ≤90%
This is some text inside of a div block.
3
Year
6.14
%
6.37
%
LVR ≤90%
This is some text inside of a div block.
5
Year
6.14
%
6.33
%
LVR >90%
This is some text inside of a div block.
1
Year
6.39
%
6.67
%
LVR >90%
This is some text inside of a div block.
2
Year
6.34
%
6.64
%
LVR >90%
This is some text inside of a div block.
3
Year
6.34
%
6.61
%
LVR >90%
This is some text inside of a div block.
5
Year
6.34
%
6.56
%
Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
1 Year
5.99%
6.16%
LVR ≤60%
2 Year
5.94%
6.14%
LVR ≤60%
3 Year
5.94%
6.12%
LVR ≤60%
5 Year
5.94%
6.09%
LVR ≤70%
1 Year
5.99%
6.16%
LVR ≤70%
2 Year
5.94%
6.14%
LVR ≤70%
3 Year
5.94%
6.12%
LVR ≤70%
5 Year
5.94%
6.09%
LVR ≤80%
1 Year
5.99%
6.17%
LVR ≤80%
2 Year
5.94%
6.15%
LVR ≤80%
3 Year
5.94%
6.13%
LVR ≤80%
5 Year
5.94%
6.10%
LVR ≤90%
1 Year
6.19%
6.42%
LVR ≤90%
2 Year
6.14%
6.39%
LVR ≤90%
3 Year
6.14%
6.37%
LVR ≤90%
5 Year
6.14%
6.33%
LVR >90%
1 Year
6.39%
6.67%
LVR >90%
2 Year
6.34%
6.64%
LVR >90%
3 Year
6.34%
6.61%
LVR >90%
5 Year
6.34%
6.56%
Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.34
%
6.39
%
LVR ≤70%
This is some text inside of a div block.
6.34
%
6.39
%
LVR ≤80%
This is some text inside of a div block.
6.34
%
6.39
%
LVR ≤90%
This is some text inside of a div block.
6.59
%
6.64
%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.54
%
6.47
%
LVR ≤70%
This is some text inside of a div block.
6.54
%
6.47
%
LVR ≤80%
This is some text inside of a div block.
6.54
%
6.47
%
LVR ≤90%
This is some text inside of a div block.
6.79
%
6.72
%

Fixed - Principal and interest

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
This is some text inside of a div block.
LVR ≤60%
1
Year
6.09
%
6.36
%
This is some text inside of a div block.
LVR ≤60%
2
Year
5.94
%
6.31
%
This is some text inside of a div block.
LVR ≤60%
3
Year
5.94
%
6.27
%
This is some text inside of a div block.
LVR ≤60%
5
Year
5.94
%
6.21
%
This is some text inside of a div block.
LVR ≤70%
1
Year
6.09
%
6.36
%
This is some text inside of a div block.
LVR ≤70%
2
Year
5.94
%
6.31
%
This is some text inside of a div block.
LVR ≤70%
3
Year
5.94
%
6.27
%
This is some text inside of a div block.
LVR ≤70%
5
Year
5.94
%
6.21
%
This is some text inside of a div block.
LVR ≤80%
1
Year
6.09
%
6.36
%
This is some text inside of a div block.
LVR ≤80%
2
Year
5.94
%
6.31
%
This is some text inside of a div block.
LVR ≤80%
3
Year
5.94
%
6.27
%
This is some text inside of a div block.
LVR ≤80%
5
Year
5.94
%
6.21
%
This is some text inside of a div block.
LVR ≤90%
1
Year
6.34
%
6.61
%
This is some text inside of a div block.
LVR ≤90%
2
Year
6.19
%
6.56
%
This is some text inside of a div block.
LVR ≤90%
3
Year
6.19
%
6.52
%
This is some text inside of a div block.
LVR ≤90%
5
Year
6.19
%
6.46
%

Fixed - Interest only

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
1
Year
6.29
%
6.38
%
LVR ≤60%
This is some text inside of a div block.
2
Year
6.14
%
6.35
%
LVR ≤60%
This is some text inside of a div block.
3
Year
6.14
%
6.33
%
LVR ≤60%
This is some text inside of a div block.
5
Year
6.14
%
6.30
%
LVR ≤70%
This is some text inside of a div block.
1
Year
6.29
%
6.38
%
LVR ≤70%
This is some text inside of a div block.
2
Year
6.14
%
6.35
%
LVR ≤70%
This is some text inside of a div block.
3
Year
6.14
%
6.33
%
LVR ≤70%
This is some text inside of a div block.
5
Year
6.14
%
6.30
%
LVR ≤80%
This is some text inside of a div block.
1
Year
6.29
%
6.38
%
LVR ≤80%
This is some text inside of a div block.
2
Year
6.14
%
6.35
%
LVR ≤80%
This is some text inside of a div block.
3
Year
6.14
%
6.33
%
LVR ≤90%
This is some text inside of a div block.
1
Year
6.54
%
6.63
%
LVR ≤90%
This is some text inside of a div block.
2
Year
6.39
%
6.60
%
LVR ≤90%
This is some text inside of a div block.
3
Year
6.39
%
6.58
%

Fees and charges

Establishment fee – new mortgage*
$595
Establishment fee – existing mortgage*
$295
Mortgage discharge fee
$350 + government fees
Lending and Credit Card fees, charges and transaction limits
Home Loans Key Facts Sheet
Establishment fee – new mortgage*
$595
Establishment fee – existing mortgage*
$295
Mortgage discharge fee
$350 + government fees

Offset Home Loan

Effective 5 December 2024
Owner occupied
Investment

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.13
%
6.46
%
LVR ≤70%
This is some text inside of a div block.
6.13
%
6.46
%
LVR ≤80%
This is some text inside of a div block.
6.18
%
6.51
%
LVR ≤90%
This is some text inside of a div block.
6.39
%
6.71
%
LVR >90%
This is some text inside of a div block.
6.89
%
7.21
%
Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
6.13%
6.46%
LVR ≤70%
6.13%
6.46%
LVR ≤80%
6.18%
6.51%
LVR ≤90%
6.39%
6.71%
LVR >90%
6.89%
7.21%

Fixed

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
1
Year
5.99
%
6.44
%
LVR ≤60%
This is some text inside of a div block.
2
Year
5.94
%
6.42
%
LVR ≤60%
This is some text inside of a div block.
3
Year
5.94
%
6.40
%
LVR ≤60%
This is some text inside of a div block.
5
Year
5.94
%
6.38
%
LVR ≤70%
This is some text inside of a div block.
1
Year
5.99
%
6.44
%
LVR ≤70%
This is some text inside of a div block.
2
Year
5.94
%
6.42
%
LVR ≤70%
This is some text inside of a div block.
3
Year
5.94
%
6.40
%
LVR ≤70%
This is some text inside of a div block.
5
Year
5.94
%
6.38
%
LVR ≤80%
This is some text inside of a div block.
1
Year
5.99
%
6.49
%
LVR ≤80%
This is some text inside of a div block.
2
Year
5.94
%
6.46
%
LVR ≤80%
This is some text inside of a div block.
3
Year
5.94
%
6.44
%
LVR ≤80%
This is some text inside of a div block.
5
Year
5.94
%
6.40
%
LVR ≤90%
This is some text inside of a div block.
1
Year
6.19
%
6.69
%
LVR ≤90%
This is some text inside of a div block.
2
Year
6.14
%
6.67
%
LVR ≤90%
This is some text inside of a div block.
3
Year
6.14
%
6.64
%
LVR ≤90%
This is some text inside of a div block.
5
Year
6.14
%
6.61
%
LVR >90%
This is some text inside of a div block.
1
Year
6.39
%
7.16
%
LVR >90%
This is some text inside of a div block.
2
Year
6.34
%
7.10
%
LVR >90%
This is some text inside of a div block.
3
Year
6.34
%
7.05
%
LVR >90%
This is some text inside of a div block.
5
Year
6.34
%
6.96
%
Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
1 Year
5.99%
6.44%
LVR ≤60%
2 Year
5.94%
6.42%
LVR ≤60%
3 Year
5.94%
6.40%
LVR ≤60%
5 Year
5.94%
6.38%
LVR ≤70%
1 Year
5.99%
6.44%
LVR ≤70%
2 Year
5.94%
6.42%
LVR ≤70%
3 Year
5.94%
6.40%
LVR ≤70%
5 Year
5.94%
6.38%
LVR ≤80%
1 Year
5.99%
6.49%
LVR ≤80%
2 Year
5.94%
6.46%
LVR ≤80%
3 Year
5.94%
6.44%
LVR ≤80%
5 Year
5.94%
6.40%
LVR ≤90%
1 Year
6.19%
6.69%
LVR ≤90%
2 Year
6.14%
6.67%
LVR ≤90%
3 Year
6.14%
6.64%
LVR ≤90%
5 Year
6.14%
6.61%
LVR >90%
1 Year
6.39%
7.16%
LVR >90%
2 Year
6.34%
7.10%
LVR >90%
3 Year
6.34%
7.05%
LVR >90%
5 Year
6.34%
6.96%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.24
%
6.57
%
LVR ≤70%
This is some text inside of a div block.
6.29
%
6.62
%
LVR ≤80%
This is some text inside of a div block.
6.34
%
6.67
%
LVR ≤90%
This is some text inside of a div block.
6.69
%
7.01
%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
6.44
%
6.63
%
LVR ≤70%
This is some text inside of a div block.
6.49
%
6.68
%
LVR ≤80%
This is some text inside of a div block.
6.54
%
6.73
%
LVR ≤90%
This is some text inside of a div block.
6.89
%
7.08
%

Fixed - Principal and interest

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
1
Year
6.09
%
6.55
%
LVR ≤60%
This is some text inside of a div block.
2
Year
5.94
%
6.51
%
LVR ≤60%
This is some text inside of a div block.
3
Year
5.94
%
6.48
%
LVR ≤60%
This is some text inside of a div block.
5
Year
5.94
%
6.44
%
LVR ≤70%
This is some text inside of a div block.
1
Year
6.09
%
6.60
%
LVR ≤70%
This is some text inside of a div block.
2
Year
5.94
%
6.55
%
LVR ≤70%
This is some text inside of a div block.
3
Year
5.94
%
6.52
%
LVR ≤70%
This is some text inside of a div block.
5
Year
5.94
%
6.46
%
LVR ≤80%
This is some text inside of a div block.
1
Year
6.09
%
6.64
%
LVR ≤80%
This is some text inside of a div block.
2
Year
5.94
%
6.59
%
LVR ≤80%
This is some text inside of a div block.
3
Year
5.94
%
6.55
%
LVR ≤80%
This is some text inside of a div block.
5
Year
5.94
%
6.49
%
LVR ≤90%
This is some text inside of a div block.
1
Year
6.44
%
6.98
%
LVR ≤90%
This is some text inside of a div block.
2
Year
6.29
%
6.93
%
LVR ≤90%
This is some text inside of a div block.
3
Year
6.29
%
6.90
%
LVR ≤90%
This is some text inside of a div block.
5
Year
6.29
%
6.62
%

Fixed - Interest only

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤60%
This is some text inside of a div block.
1
Year
6.29
%
6.57
%
LVR ≤60%
This is some text inside of a div block.
2
Year
6.14
%
6.54
%
LVR ≤60%
This is some text inside of a div block.
3
Year
6.14
%
6.52
%
LVR ≤60%
This is some text inside of a div block.
5
Year
6.14
%
6.50
%
LVR ≤70%
This is some text inside of a div block.
1
Year
6.29
%
6.61
%
LVR ≤70%
This is some text inside of a div block.
2
Year
6.14
%
6.58
%
LVR ≤70%
This is some text inside of a div block.
3
Year
6.14
%
6.56
%
LVR ≤70%
This is some text inside of a div block.
5
Year
6.14
%
6.53
%
LVR ≤80%
This is some text inside of a div block.
1
Year
6.29
%
6.66
%
LVR ≤80%
This is some text inside of a div block.
2
Year
6.14
%
6.62
%
LVR ≤80%
This is some text inside of a div block.
3
Year
6.14
%
6.59
%
LVR ≤90%
This is some text inside of a div block.
1
Year
6.64
%
7.00
%
LVR ≤90%
This is some text inside of a div block.
2
Year
6.49
%
6.96
%
LVR ≤90%
This is some text inside of a div block.
3
Year
6.49
%
6.94
%

Fees and charges

Establishment fee – new mortgage
$0
Establishment fee – existing mortgage
$0
Offset service fee - per month
$0
Annual package fee
$350
Mortgage discharge fee
$350 + government fees
Lending and Credit Card fees, charges and transaction limits
Establishment fee – existing mortgage*
$0
Offset service fee - per month
$0
Annual fee
$350
Mortgage discharge fee
$350 + government fees

Clean Energy Home Loan

Effective 5 December 2024
Owner occupied
Investment

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤90%
This is some text inside of a div block.
5.38
%
6.14
%
LVR ≤90%
This is some text inside of a div block.
5.68
%
6.26
%
Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
Renovate
LVR ≤90%
5.38%
6.14%
New build
LVR ≤90%
5.68%
6.26%

Fixed

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR ≤90%
This is some text inside of a div block.
3
Year
5.14
%
6.18
%
LVR ≤90%
This is some text inside of a div block.
3
Year
5.44
%
6.26
%
Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
Renovate
LVR ≤90%
3 Year
5.14%
6.18%
New Build
LVR ≤90%
3 Year
5.44%
6.26%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
Renovate
LVR ≤90%
This is some text inside of a div block.
5.54
%
6.26
%
New Build
LVR ≤90%
This is some text inside of a div block.
5.84
%
6.39
%

Fixed - Principal and interest

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
This is some text inside of a div block.
Renovate
LVR ≤90%
3
Year
5.14
%
6.26
%
This is some text inside of a div block.
New Build
LVR ≤90%
3
Year
5.44
%
6.34
%

Fees and charges

Annual Package Fee
$350
Annual fee
$350

Bridging Loan

Effective 5 December 2024

Variable

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤75%
This is some text inside of a div block.
8.10
%
8.15
%
Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤75%
8.10
%
8.15%

Fees and charges

Establishment fee – new mortgage*
$595
Establishment fee – existing mortgage*
$295
Mortgage discharge fee
$350 + government fees

Things you need to know

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.

Fixed Rate Loans

  • If a Fixed Rate is selected, then that rate may vary from the date of application anytime up until the date of funding, unless a rate lock agreement applies.
  • Mortgage Offset and Redraw are not available on Basic Fixed Rate loans.
  • Additional repayments are capped at $30,000 and cannot be redrawn. Repayments in excess of the cap may be subject to a Break Fee.

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.