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Home loan rates and fees

Our latest variable and fixed rates for new customers who are looking for owner occupier or investment home loans.

What's on this page

Basic Home Loan

Effective 24 November 2021

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
B-OO_59.99_5m_variable_PI
2.15
%
2.19
%
LVR <70%
B-OO_59.99-69.99_5m_variable_PI
2.20
%
2.24
%
LVR <80%
B-OO_69.99-79.99_5m_variable_PI
2.30
%
2.34
%
LVR <90%
B-OO_79.99-89.99_5m_variable_PI
2.70
%
2.74
%
LVR >90%
B-OO_89.99-95_5m_variable_PI
3.00
%
3.04
%

Fixed

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
BF1Y-OO_59.99_5m_fixed_1_PI
1
Year
2.30
%
2.21
%
LVR <60%
BF2Y-OO_59.99_5m_fixed_2_PI
2
Year
2.40
%
2.24
%
LVR <60%
BF3Y-OO_59.99_5m_fixed_3_PI
3
Year
2.45
%
2.27
%
LVR <60%
BF5Y-OO_59.99_5m_fixed_5_PI
5
Year
2.80
%
2.45
%
LVR <70%
BF1Y-OO_59.99-69.99_5m_fixed_1_PI
1
Year
2.40
%
2.26
%
LVR <70%
BF2Y-OO_59.99-69.99_5m_fixed_2_PI
2
Year
2.50
%
2.29
%
LVR <70%
BF3Y-OO_59.99-69.99_5m_fixed_3_PI
3
Year
2.50
%
2.32
%
LVR <70%
BF5Y-OO_59.99-69.99_5m_fixed_5_PI
5
Year
2.90
%
2.52
%
LVR <80%
BF1Y-OO_69.99-79.99_5m_fixed_1_PI
1
Year
2.40
%
2.35
%
LVR <80%
BF2Y-OO_69.99-79.99_5m_fixed_2_PI
2
Year
2.50
%
2.38
%
LVR <80%
BF3Y-OO_69.99-79.99_5m_fixed_3_PI
3
Year
2.60
%
2.42
%
LVR <80%
BF5Y-OO_69.99-79.99_5m_fixed_5_PI
5
Year
3.00
%
2.62
%
LVR <90%
BF1Y-OO_79.99-89.99_5m_fixed_1_PI
1
Year
2.60
%
2.73
%
LVR <90%
BF2Y-OO_79.99-89.99_5m_fixed_2_PI
2
Year
2.70
%
2.74
%
LVR <90%
BF3Y-OO_79.99-89.99_5m_fixed_3_PI
3
Year
2.80
%
2.77
%
LVR <90%
BF5Y-OO_79.99-89.99_5m_fixed_5_PI
5
Year
3.10
%
2.90
%
LVR >90%
BF1Y-OO_89.99-95_5m_fixed_1_PI
1
Year
2.80
%
3.03
%
LVR >90%
BF2Y-OO_89.99-95_5m_fixed_2_PI
2
Year
3.10
%
3.06
%
LVR >90%
BF3Y-OO_89.99-95_5m_fixed_3_PI
3
Year
3.10
%
3.07
%
LVR >90%
BF5Y-OO_89.99-95_5m_fixed_5_PI
5
Year
3.30
%
3.16
%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
B-I_59.99_5m_variable_PI
2.55
%
2.59
%
LVR <70%
B-I_59.99-69.99_5m_variable_PI
2.60
%
2.64
%
LVR <80%
B-I_69.99-79.99_5m_variable_PI
2.70
%
2.74
%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
B-I_59.99_5m_variable_5_IO
2.75
%
2.66
%
LVR <70%
B-I_59.99-69.99_5m_variable_5_IO
2.80
%
2.71
%
LVR <80%
B-I_69.99-79.99_5m_variable_5_IO
2.90
%
2.81
%

Fixed - Principal and interest

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
BF1Y-I_59.99_5m_fixed_1_PI
1
Year
2.40
%
2.58
%
LVR <60%
BF2Y-I_59.99_5m_fixed_2_PI
2
Year
2.60
%
2.60
%
LVR <60%
BF3Y-I_59.99_5m_fixed_3_PI
3
Year
2.60
%
2.61
%
LVR <60%
BF5Y-I_59.99_5m_fixed_5_PI
5
Year
2.90
%
2.73
%
LVR <70%
BF1Y-I_59.99-69.99_5m_fixed_1_PI
1
Year
2.70
%
2.65
%
LVR <70%
BF2Y-I_59.99-69.99_5m_fixed_2_PI
2
Year
2.70
%
2.66
%
LVR <70%
BF3Y-I_59.99-69.99_5m_fixed_3_PI
3
Year
2.70
%
2.67
%
LVR <70%
BF5Y-I_59.99-69.99_5m_fixed_5_PI
5
Year
3.00
%
2.80
%
LVR <80%
BF1Y-I_69.99-79.99_5m_fixed_1_PI
1
Year
2.80
%
2.75
%
LVR <80%
BF2Y-I_69.99-79.99_5m_fixed_2_PI
2
Year
2.80
%
2.76
%
LVR <80%
BF3Y-I_69.99-79.99_5m_fixed_3_PI
3
Year
2.90
%
2.79
%
LVR <80%
BF5Y-I_69.99-79.99_5m_fixed_5_PI
5
Year
3.10
%
2.90
%

Fixed - Interest only

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
BF1Y-I_59.99_5m_fixed_1_IO
1
Year
2.60
%
2.60
%
LVR <60%
BF2Y-I_59.99_5m_fixed_2_IO
2
Year
2.80
%
2.63
%
LVR <60%
BF3Y-I_59.99_5m_fixed_3_IO
3
Year
2.80
%
2.65
%
LVR <60%
BF5Y-I_59.99_5m_fixed_5_IO
5
Year
3.10
%
2.79
%
LVR <70%
BF1Y-I_59.99-69.99_5m_fixed_1_IO
1
Year
2.90
%
2.67
%
LVR <70%
BF2Y-I_59.99-69.99_5m_fixed_2_IO
2
Year
2.90
%
2.69
%
LVR <70%
BF3Y-I_59.99-69.99_5m_fixed_3_IO
3
Year
2.90
%
2.71
%
LVR <70%
BF5Y-I_59.99-69.99_5m_fixed_5_IO
5
Year
3.20
%
2.86
%
LVR <80%
BF1Y-I_69.99-79.99_5m_fixed_1_IO
1
Year
3.00
%
2.77
%
LVR <80%
BF2Y-I_69.99-79.99_5m_fixed_2_IO
2
Year
3.00
%
2.79
%
LVR <80%
BF3Y-I_69.99-79.99_5m_fixed_3_IO
3
Year
3.10
%
2.84
%

Fees and charges

Establishment fee – new mortgage*
$595
Establishment fee – existing mortgage*
$295
Discharge fee
$250

Premium Home Loan Package

Effective 24 November 2021

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PP-OO_59.99_5m_variable_PI
2.15
%
2.55
%
LVR <70%
PP-OO_59.99-69.99_5m_variable_PI
2.20
%
2.60
%
LVR <80%
PP-OO_69.99-79.99_5m_variable_PI
2.30
%
2.70
%
LVR <90%
PP-OO_79.99-89.99_5m_variable_PI
2.70
%
3.09
%
LVR >90%
PP-OO_89.99-95_5m_variable_PI
3.00
%
3.38
%

Fixed

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PPF1Y-OO_59.99_5m_fixed_1_PI
1
Year
2.30
%
2.57
%
LVR <60%
PPF2Y-OO_59.99_5m_fixed_2_PI
2
Year
2.40
%
2.59
%
LVR <60%
PPF3Y-OO_59.99_5m_fixed_3_PI
3
Year
2.45
%
2.63
%
LVR <60%
PPF5Y-OO_59.99_5m_fixed_5_PI
5
Year
2.80
%
2.80
%
LVR <70%
PPF1Y-OO_59.99-69.99_5m_fixed_1_PI
1
Year
2.40
%
2.62
%
LVR <70%
PPF2Y-OO_59.99-69.99_5m_fixed_2_PI
2
Year
2.50
%
2.65
%
LVR <70%
PPF3Y-OO_59.99-69.99_5m_fixed_3_PI
3
Year
2.50
%
2.67
%
LVR <70%
PPF5Y-OO_59.99-69.99_5m_fixed_5_PI
5
Year
2.90
%
2.87
%
LVR <80%
PPF1Y-OO_69.99-79.99_5m_fixed_1_PI
1
Year
2.40
%
2.71
%
LVR <80%
PPF2Y-OO_69.99-79.99_5m_fixed_2_PI
2
Year
2.50
%
2.73
%
LVR <80%
PPF3Y-OO_69.99-79.99_5m_fixed_3_PI
3
Year
2.60
%
2.77
%
LVR <80%
PPF5Y-OO_69.99-79.99_5m_fixed_5_PI
5
Year
3.00
%
2.97
%
LVR <90%
PPF1Y-OO_79.99-89.99_5m_fixed_1_PI
1
Year
2.60
%
3.08
%
LVR <90%
PPF2Y-OO_79.99-89.99_5m_fixed_2_PI
2
Year
2.70
%
3.09
%
LVR <90%
PPF3Y-OO_79.99-89.99_5m_fixed_3_PI
3
Year
2.80
%
3.11
%
LVR <90%
PPF5Y-OO_79.99-89.99_5m_fixed_5_PI
5
Year
3.10
%
3.25
%
LVR >90%
PPF1Y-OO_89.99-95_5m_fixed_1_PI
1
Year
2.80
%
3.36
%
LVR >90%
PPF2Y-OO_89.99-95_5m_fixed_2_PI
2
Year
3.10
%
3.40
%
LVR >90%
PPF3Y-OO_89.99-95_5m_fixed_3_PI
3
Year
3.10
%
3.41
%
LVR >90%
PPF5Y-OO_89.99-95_5m_fixed_5_PI
5
Year
3.30
%
3.50
%

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PP-I_59.99_5m_variable_PI
2.55
%
2.94
%
LVR <70%
PP-I_59.99-69.99_5m_variable_PI
2.60
%
2.99
%
LVR <80%
PP-I_69.99-79.99_5m_variable_PI
2.70
%
3.09
%

Variable - Interest only

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PP-I_59.99_5m_variable_5_IO
2.75
%
2.97
%
LVR <70%
PP-I_59.99-69.99_5m_variable_5_IO
2.80
%
3.02
%
LVR <80%
PP-I_69.99-79.99_5m_variable_5_IO
2.90
%
3.12
%

Fixed - Principal and interest

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PPF1Y-I_59.99_5m_fixed_1_PI
1
Year
2.40
%
2.93
%
LVR <60%
PPF2Y-I_59.99_5m_fixed_2_PI
2
Year
2.60
%
2.95
%
LVR <60%
PPF3Y-I_59.99_5m_fixed_3_PI
3
Year
2.60
%
2.95
%
LVR <60%
PPF5Y-I_59.99_5m_fixed_5_PI
5
Year
2.90
%
3.08
%
LVR <70%
PPF1Y-I_59.99-69.99_5m_fixed_1_PI
1
Year
2.70
%
3.00
%
LVR <70%
PPF2Y-I_59.99-69.99_5m_fixed_2_PI
2
Year
2.70
%
3.01
%
LVR <70%
PPF3Y-I_59.99-69.99_5m_fixed_3_PI
3
Year
2.70
%
3.02
%
LVR <70%
PPF5Y-I_59.99-69.99_5m_fixed_5_PI
5
Year
3.00
%
3.15
%
LVR <80%
PPF1Y-I_69.99-79.99_5m_fixed_1_PI
1
Year
2.80
%
3.10
%
LVR <80%
PPF2Y-I_69.99-79.99_5m_fixed_2_PI
2
Year
2.80
%
3.11
%
LVR <80%
PPF3Y-I_69.99-79.99_5m_fixed_3_PI
3
Year
2.90
%
3.14
%
LVR <80%
PPF5Y-I_69.99-79.99_5m_fixed_5_PI
5
Year
3.10
%
3.25
%

Fixed - Interest only

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <60%
PPF1Y-I_59.99_5m_fixed_1_IO
1
2.60
%
2.94
%
LVR <60%
PPF2Y-I_59.99_5m_fixed_2_IO
2
2.80
%
2.96
%
LVR <60%
PPF3Y-I_59.99_5m_fixed_3_IO
3
2.80
%
2.97
%
LVR <60%
PPF5Y-I_59.99_5m_fixed_5_IO
5
3.10
%
3.10
%
LVR <70%
PPF1Y-I_59.99-69.99_5m_fixed_1_IO
1
2.90
%
3.01
%
LVR <70%
PPF2Y-I_59.99-69.99_5m_fixed_2_IO
2
2.90
%
3.02
%
LVR <70%
PPF3Y-I_59.99-69.99_5m_fixed_3_IO
3
2.90
%
3.03
%
LVR <70%
PPF5Y-I_59.99-69.99_5m_fixed_5_IO
5
3.20
%
3.17
%
LVR <80%
PPF1Y-I_69.99-79.99_5m_fixed_1_IO
1
3.00
%
3.10
%
LVR <80%
PPF2Y-I_69.99-79.99_5m_fixed_2_IO
2
3.00
%
3.12
%
LVR <80%
PPF3Y-I_69.99-79.99_5m_fixed_3_IO
3
3.10
%
3.16
%

Fees and charges

Establishment fee – new mortgage
$0
Establishment fee – existing mortgage
$0
Offset service fee - per month
$0
Annual package fee
$350
Discharge fee
$250

Clean Energy Home Loan

Effective 24 November 2021

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR <90%
CEPP-OO_89.99_5m_variable_5_PI
2.10
%
2.62
%

Fixed

Loan to Value Ratio (LVR)
Term
Interest (p.a.)
Comparison (p.a.)
LVR <90%
CEPPF3Y-OO_89.99_5m_fixed_3_PI
3
Year
2.40
%
2.72
%

Bridging Loan

Effective 24 November 2021

Variable - Principal and interest

Loan to Value Ratio (LVR)
Interest (p.a.)
Comparison (p.a.)
LVR ≤75%
BL_100_5m_variable_PI
4.16
%
4.20
%

Fees and charges

Establishment fee – new mortgage*
$595
Establishment fee – existing mortgage*
$295
Discharge fee
$250

Things you need to know

General advice warning

Information provided is of a general nature only. In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents before making a decision to apply for products with Bank Australia.

  1. Eligibility criteria apply. You must deposit $2k to the Everyday Transaction Account each month or maintain $50k in total banking value to earn a monthly fee waiver the following month.

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