Our Basic Home Loan is anything but, with a low rate, low fees and feel-good features. With the certainty of a fixed rate.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.74% | 6.42% | Fixed · 1 year · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.74% | 6.42% | Fixed · 1 year · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.43% | Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.04% | 6.69% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.04% | 6.92% | Fixed · 1 year · owner occupied · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.47% | Fixed · 2 years · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.47% | Fixed · 2 years · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.79% | 6.47% | Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.04% | 6.72% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.09% | 6.94% | Fixed · 2 years · owner occupied · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.89% | 6.53% | Fixed · 3 years · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.89% | 6.53% | Fixed · 3 years · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.89% | 6.54% | Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 6.80% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.19% | 6.99% | Fixed · 3 years · owner occupied · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 | |
| 6.99% | 6.65% | Fixed · 5 years · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.99% | 6.65% | Fixed · 5 years · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.99% | 6.66% | Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 6.93% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.29% | 7.08% | Fixed · 5 years · owner occupied · principal and interest · LVR Over 90% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/230145b1-fedf-4b8d-a9a0-a36acb6bf1a6- Content hash
sha256 68fe7381980d41c7e3ea187863987d2365417367a4c0da0f310f3a9399504a42- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_68fe7381980d41c7_bb3079a2Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/230145b1-fedf-4b8d-a9a0-a36acb6bf1a6- Content hash
sha256 68fe7381980d41c7e3ea187863987d2365417367a4c0da0f310f3a9399504a42- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Home Loan Establishment Fee | Upfront | $0.00 |
| Rate Lock Fee | Upfront | 0.10% |
| Portability Fee- New Mortgage | Event | $500.00 |
| Break Fee | Event | Set in your letter of offer |
| Mortgage Discharge Fee | Event | $275.00 |
| Annual fee | Periodic | $0.00 |
| 1st Valuation Fee | Event | $0.00 |
| Monthly Fee | Periodic | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking. | |
| Extra repayments | Addtional repayments up to $30,000 during the fixed rate period | |
| Other | Make your loan repayments weekly, fortnightly or monthly | |
| Other | Welcoming a new family member to the family can place a pretty big strain on finances so we offer you the option of pausing your home loan repayments to give you some breathing space. This allows you to take a break from payments for three months, or halve them for six. Conditions apply | |
| Other | Our Eco-Pause lets customers take a break from their mortgage repayments and redirect their money to eco upgrades such as solar panels, batteries and water tanks. With an eco-pause you can pause your repayments for three months or halve them for six. Conditions apply. | |
| Other | Fixed rate lock; With our rate lock you can apply for a fixed interest rate on your home loan and lock in the rate while your home loan settles. | |
| Other | Split loan between variable and fixed is available | |
| Eligibility: min age | 18 | Individuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older. |
| Eligibility: natural person | Not available for non-personal borrowers. | |
| Eligibility: other | Applications for loans are subject to the Bank's lending criteria. | |
| Eligibility: residency status | AU | Australian citizen or permanent resident of Australia |
| Limit: min limit | 10000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 5 years · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.29% | 7.08% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.29% | 6.93% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.79% | 6.47% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.89% | 6.53% |
| Fixed · 1 year · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.04% | 6.92% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.79% | 6.47% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.19% | 6.80% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.99% | 6.66% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.74% | 6.42% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.89% | 6.53% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.99% | 6.65% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.74% | 6.42% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.43% |
| Fixed · 2 years · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.09% | 6.94% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.04% | 6.72% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.99% | 6.65% |
| Fixed · 3 years · owner occupied · principal and interest · LVR Over 90% | 1 Nov 2026 | Current | 7.19% | 6.99% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.04% | 6.69% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.89% | 6.54% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.47% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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