Alert notice

Scam alert: NEVER share your one-time password (OTP) with anyone, even if they claim to work for Bank Australia. Read more on how to protect yourself.

2023-12-22 2:05 pm
Alert notice

Effective from 5 December 2024, Bank Australia will change the name of the Premium Home Loan Package to Offset Home Loan. Read more about our home loans.

2023-06-23 12:09 pm

Home loans shouldn’t cost the Earth

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Why us?

Clean money
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Home loan interest payments support a bank committed to using money as a force for good.

Eco pause
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Pause repayments to help with new green household additions like solar and water tanks.

Parental pause
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Catch your breath in the early days of parenthood by pausing or halving repayments.

Compare rates and home loans


Home loans for different needs including our low rate Basic Home Loan, Offset Home Loan, and our reduced rate Clean Energy Home Loan.

See all rates and fees.

Making plans to move or build?

Bridging loan
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Our Bridging Home Loan is available for up to 12 months. It could help you navigate the tricky time between buying or building a new home, and waiting for your old home to sell.
Construction loan
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The construction feature available across our entire home loan range allows you to draw down on the loan as the build progresses. Each loan benefits our Conservation Reserve, too.

Featured

Electrify Your Home

Switching to all-electric at home can be better for the environment, health and costs. Check out our guides and resources on making this shift.

  • What can you electrify at home?
  • Electric home customer stories
  • Sustainable home tips
Learn about electrifying your home
Above: 7+-star rated home electric stovetop

Home loan calculators

How much can I borrow?
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Get a clearer understanding of your borrowing power.

Calculate your repayments
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See repayments and understand affordability.

Refinance calculator
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See your potential savings from moving your home loan to Bank Australia.

Borrower help for wherever you're at

Home buyers
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Get answers to what you need to know about buying a home.

Refinancers
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Understand the benefits of switching to an ethical bank.

Investors
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Get the lowdown on property investing and investment home loans.

Need support with your home loan?
Head to our help for more information.

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Banking done differently

‍

Sure, Bank Australia has a user-friendly app, internet banking, and all the other things you’d expect of a customer-focused bank. But we’ve got so much more, too.

We’re 100% customer-owned, which means you have voting rights. We don’t pay our execs bonuses, which means more funds are used to support people and the planet. And we’ll never use your money (or anyone’s, for that matter) to fund harmful industries like fossil fuels, live animal exports or nuclear weapons.

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.

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.