A home loan packed with positives for future generations.
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 |
|---|---|---|---|---|---|
| 6.13% | 6.46% | Variable · owner occupied · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 6.23% | 6.50% | Variable · owner occupied · principal and interest · LVR 90% or less | 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/a4d8b0f1-7691-4bc2-ba8a-216a787681a9- Content hash
sha256 873096ccecbb315e9fed8d0464abd5f032d185af4d04d6e32aac7ae420c96780- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_873096ccecbb315e_f36e9000Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a4d8b0f1-7691-4bc2-ba8a-216a787681a9- Content hash
sha256 873096ccecbb315e9fed8d0464abd5f032d185af4d04d6e32aac7ae420c96780- 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 |
|---|---|---|
| Monthly Offset Account Fee | Periodic | $0.00 |
| Mortgage Discharge Fee | Event | $275.00 |
| Offset Home Loan Annual Fee | Periodic | $199.00 |
| Portability Fee- New Mortgage | Event | $500.00 |
| Establishment Fee | Upfront | $0.00 |
| Redraw fee | Event | $0.00 |
| 1st Valuation Fee | Event | $0.00 |
| Construction Progress Inspection | Event | $0.00 |
| Platinum Rewards Credit Card Annual Fee | Periodic | $189.00 |
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. | |
| Offset | A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference. | |
| Other | Eco-Pause: 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 fditions apply. | |
| Other | Flexible Repayments: Make your loan repayments weekly, fortnightly or monthly | |
| Other | Parental Pause: 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. | |
| Redraw | If you're ahead of your repayments, you may be able to redraw fee free, with restrictions if your loan is fixed | |
| Other | Split loan between variable and fixed is available | |
| Extra repayments | You can make extra repayments on variable rate loans | |
| 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 | Individuals only: Not available for non-personal borrowers. | |
| Eligibility: other | Eligibility for the Clean Energy loan reduced rate is subject to the Bank's Eligibility Criteria found in the Key Information. Conditions apply. | |
| 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 | 0.9 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.13% | 6.46% |
| Variable · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.23% | 6.50% |
*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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