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2021-11-30 2:45 pm
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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.

Changes to personal lending applications from Monday 16 August

Personal lending applications for Bank Australia customers.

Bank Australia customers can now apply for personal loans and credit through their internet banking. To apply, log in to internet banking, click the ‘apply’ tab and choose the product you’re looking for. We'll be in touch to organise your application.

Due to high demand, we’re unable to take your application by phone right now. If you need help, call our lending team on 132 888 and follow the prompts.

Not a Bank Australia customer? We’ll be able to help you soon.

Due to high volume of home loans, personal loan and credit card applications, we’re not accepting new applications from people who aren’t already a customer of ours.

We’re in the process of scaling up to meet this demand so we can resume online applications as soon as possible. We’ll keep you up to date on when applications will resume.

Our rates

Finder Green Awards 2021
Green Bank of the Year
See all reviews
Variable interest rate
Effective 24 November 2021
Comparison rate
Comparison rate based on a unsecured loan of $10,000 for 3 years. Fees and charges may apply.
See rates and fees

Why us?

Who it's for

  • People aged 18+
  • People living in Australia as a permanent resident or with a relevant work visa
  • People with a regular source of income 
  • Property owners (if paying off a home loan currently, it doesn’t need to be with us)

Applying for a loan

Is this product right for you? Find out more

What it's for

You can apply for a personal loan or $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 3–15 years. Your reason for applying has a bearing on how long your maximum term could be. 

15 years

Home improvements

10 years

General purposes

3 years

What you get

“Switched to Bank Aust for the low interest rates, but will stay because of the fantastic service.”
Michael from Adelaide, SA

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.

Calculate your repayments

See what your repayments could be with a Property Owner Personal Loan.

Want clean money?

All you need is your driver’s licence or passport, and your Medicare card, to get started.


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.

Money, People & Planet

See more at the Bank Australia blog

The fine print

* 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.

  1. Full terms, conditions, fees and charges are available upon request.
  2. Variable interest rates apply to personal loan products.
  3. Rates apply to new applications received from 22/03/2021.
  4. 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.
  5. Redraw is available on the Lifestyle Personal Loan – Property Owners.