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Lifestyle Personal Loan – Property Owner
Low rate personal loan for property owners in need of cash for a range of reasons.
Our rates
Money magazine
's
Customer-Owned Bank of The Year
2026
7.49%p.a.
Variable interest rate
Effective 31 July 2026
8.52%p.a.
Comparison rate
Comparison rate based on a unsecured loan of $10,000 for 3 years. Fees and charges may apply.
Money magazine
's
Customer-Owned Bank of The Year
2026
Why us?
Be the change
What if the money in your bank account helped other people and the planet? When you bank with us, it does.
Shared values
Rest assured that your money is not supporting industries that do harm, like fossil fuels or animal exports.
Optional redraw
If you make extra repayments on your personal loan, you can access that money if you need it down the track.
Who it's for
- People aged 18+
- People living in Australia as a permanent resident or with a relevant work visa
Is this product right for you? Find out more
What it's for
You can apply for a personal loan of $1,000 or more to help you reach a goal faster or solve an immediate problem – for example, home maintenance, renovations, medical expenses, education, debt consolidation, even a new electric bike.
Maximum loan terms
You can apply to take out a personal loan for a maximum of 10 years.
What you get
“Always Awesome service. I have several loans with Bank Australia since 2020.They have always been very helpful and efficient with any enquiries.”
Review by John.
Low interest rate
Fast access to funds at a low interest rate. Handy if you don’t have any redraw available on your home loan.
Access to redraw
You can make extra repayments on your personal loan and access that money if you need it down the track.
Pay it off early
You’re not locked in. Pay your loan off whenever and you pay no early repayment fee.
Choice of repayments
Choose repayment timings to suit your pay cycle – weekly, fortnightly or monthly.
Start your application now
Apply for a personal loan. All you need is your driver's licence or passport, and your Medicare card, to get started.
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Fees and charges
Here’s what to expect with our Lifestyle Personal Loan – Property Owner:
- Establishment fee $150
- Redraw fee $0
- Early repayment fee $0
- Late repayment fee $0
It pays to know. Read the Product Disclosure Document and this fact sheet to help you decide if this loan is right for you. See all rates and fees.
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Things you need to know
* The Comparison Rate is based on a unsecured loan of $10,000 for 3 years. Fees and charges may be applicable.
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.
- Full terms, conditions, fees and charges are available upon request.
- Variable interest rates apply to personal loans and are subject to change at any time, at the discretion of Bank Australia Limited.
- Loan Terms. Maximum term of 10 years and minimum amount of $1,000 apply to Personal Loans. Full terms, conditions, fees and charges are available on request.
- Redraw is available on the Lifestyle Personal Loan – Property Owners.