Monday 22 June 2026: Issue Affecting Online Verification Form - We’re currently investigating an issue impacting our online verification form. We’re sorry for the inconvenience this may cause and are working to resolve it as quickly as possible.
Broker partners
All the latest resources, rates and contacts to help you and your clients.
Government Scheme updates
Bank Australia is proud to be a Participating Lender authorised to offer home loans for the Help to Buy Scheme.
As our accredited business partner, you will be able to access the Help to Buy Scheme through Bank Australia for your clients who meet the qualifying criteria and wish to participate in this scheme. Visit the Help to Buy Scheme page to learn more. For documents and guides relating to the Scheme, visit the Forms and Resources page.
Current processing times
PAYG Applicants/Applications
3 business days or 4 business days if LMI is applicable.
Self Employed Applicants/Applications
5 business days or 6 business days if LMI is applicable.
Scheme Loan Applications
12 business days.
Construction loan Applications
5 business days or 6 business days if LMI is applicable.
Documents
2 business days to review subsequent documentation,
2 business days for document preparation.
Frequently used tools
Postcode calculator
Learn about our postcode parameters.
Serviceability calculator
Calculate your client's potential to meet their loan repayments.
Underwriting policy
See our lending policy and broker guidelines.
Useful resources
Broker home loan rates schedule
Our latest variable and fixed rates for new customers who are looking for owner occupier or investment home loans.
Broker tools
Digital tools to help you lodge, track and manage applications more efficiently.
Forms
All the key forms you need to support your clients, in one place.
Fact sheets
Quick reference guides covering our products, policies and processes.
User guides
Step-by-step instructions to help you navigate our systems and tools.
We use the business of banking as a force for good
As a customer-owned bank, Bank Australia looks to its customers to guide the type of things we fund and, ultimately, what impact we create in the world.
LiamNeal-0293-(1).webp)
Ethical banking
You or your clients may have a few questions about our credentials. These downloads will help.
Become accredited with us
To apply, you must be aggregating through Mortgage Choice, Smartline, AFG, Astute, Loan Market Group, Custom Equity Group, VOW, SFG, Finsure Group or Beagle.
Simply register your interest and we’ll send you a link to take our broker accreditation quiz. If you pass the quiz, you can complete our application form and send along with your ID to your aggregator.
Things you need
to know
DDO Broker support
Effective 5 October 2021, there are Product Design and distribution obligations we must meet, which brokers and distributors of Bank Australia products will also need to comply with. For more information about why we're doing this, and the details of requirements you need to comply with see DDO Broker support.
OFFSET HOME LOAN SPECIAL OFFER TERMS AND CONDITIONS
1This offer applies only to new home loans that are refinanced from another lender to Bank Australia Limited and does not apply to the transfer or refinance of any existing Bank Australia or Qudos Bank loans.
2We reserve the right to change the rate at any time. Advertised variable rates are current at the time of publication but can be changed at anytime. Applies to applications received within the period 18 June 2026 up until offer ends or is withdrawn.
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: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. - Terms and conditions, fees and charges apply. Loans subject to normal lending criteria and approval.