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Home loans shouldn’t cost the Earth

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Why us?

Clean money
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Home loan interest payments support sustainable housing, renewable energy and more.

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-fee Basic Home Loan, the Premium Home Loan Package, and our discount rate Clean Energy Home Loan.

See all rates and fees.

Featured

Clean Energy Home Loan

Building or renovating? By adding solar panels, window glazing, insulation and more, you could qualify for a 5-year variable rate discount on your home loan. Likewise if you build a 7+ star rated home.

  • 100% offset
  • No monthly fee
  • Pay it off early at no cost
  • To buy, build or upgrade
Read more
Above: 7+-star rated home in Cape Paterson

Home loan calculators

How much can I borrow?

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Get an estimated answer before you start searching.

Refinance calculator

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

Home loan repayments

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See repayments and understand affordability.

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.

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.

Above: Simon, Bank Australia customer

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

See rates and fees
Understand applications
Get buyer tips

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. Terms and conditions apply. 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.
  • Mortgage Offset is capped at $20,000.
  • 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.