Home loan rates › BNK Bank (Goldfields Money/BCHL)
Prime Alt Doc (BNK)
BNK Bank (Goldfields Money/BCHL)
CDR official
The Better Choice Prime Alt Doc Variable Home Loan offers a standard variable loan with the option to use alternative forms to verify income. Available up to 85% LVR, this loan suits borrowers that are looking for flexibility with their home loan and investment properties
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 |
|---|---|---|---|---|---|
| 7.39% | 7.46% | Variable · investment · interest only · LVR 50% or less · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.49% | 7.57% | Variable · investment · interest only · LVR 50%–55% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.49% | 7.57% | Variable · investment · interest only · LVR 55%–60% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.49% | 7.57% | Variable · investment · interest only · LVR 60%–65% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.54% | 7.62% | Variable · investment · interest only · LVR 65%–70% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.59% | 7.67% | Variable · investment · interest only · LVR 70%–75% · $50,000–$2,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.69% | 7.77% | Variable · investment · interest only · LVR 75%–80% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.39% | 8.47% | Variable · investment · interest only · LVR 80%–85% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.24% | 7.31% | Variable · investment · principal and interest · LVR 50% or less · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · investment · principal and interest · LVR 50%–55% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · investment · principal and interest · LVR 55%–60% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · investment · principal and interest · LVR 60%–65% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.39% | 7.46% | Variable · investment · principal and interest · LVR 65%–70% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.44% | 7.51% | Variable · investment · principal and interest · LVR 70%–75% · $50,000–$2,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.54% | 7.62% | Variable · investment · principal and interest · LVR 75%–80% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.32% | Variable · investment · principal and interest · LVR 80%–85% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.24% | 7.31% | Variable · owner occupied · interest only · LVR 50% or less · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · owner occupied · interest only · LVR 50%–55% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · owner occupied · interest only · LVR 55%–60% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · owner occupied · interest only · LVR 60%–65% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.39% | 7.46% | Variable · owner occupied · interest only · LVR 65%–70% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.44% | 7.51% | Variable · owner occupied · interest only · LVR 70%–75% · $50,000–$2,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.54% | 7.62% | Variable · owner occupied · interest only · LVR 75%–80% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.24% | 8.32% | Variable · owner occupied · interest only · LVR 80%–85% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 6.99% | 7.06% | Variable · owner occupied · principal and interest · LVR 50% or less · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.19% | 7.26% | Variable · owner occupied · principal and interest · LVR 50%–55% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.19% | 7.26% | Variable · owner occupied · principal and interest · LVR 55%–60% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.19% | 7.26% | Variable · owner occupied · principal and interest · LVR 60%–65% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.24% | 7.31% | Variable · owner occupied · principal and interest · LVR 65%–70% · $50,000–$2,500,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.29% | 7.36% | Variable · owner occupied · principal and interest · LVR 70%–75% · $50,000–$2,250,000 | Specialist lending | CDR | 1 Nov 2026 |
| 7.39% | 7.46% | Variable · owner occupied · principal and interest · LVR 75%–80% · $50,000–$2,000,000 | Specialist lending | CDR | 1 Nov 2026 |
| 8.09% | 8.17% | Variable · owner occupied · principal and interest · LVR 80%–85% · $50,000–$2,000,000 | Specialist lending | 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.bnk.com.au/cds-au/v1/banking/products/4001- Content hash
sha256 5f7b45a4b83dd1c5176dcf01516119854d190b2483d364c4454ea34b4638fc5c- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_5f7b45a4b83dd1c5_f6ad546cShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bnk.com.au/cds-au/v1/banking/products/4001- Content hash
sha256 5f7b45a4b83dd1c5176dcf01516119854d190b2483d364c4454ea34b4638fc5c- 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 |
|---|---|---|
| Variation Fee | Event | $200.00 |
| Substitution of Security | Event | $690.00 |
| Valuation Fees - Substitution of Security | Event | Set in your letter of offer |
| Solicitors Fees | Other | Set in your letter of offer |
| Discharge (Full or partial) | Exit | $390.00 |
| Discharge (Full or Partial): Solicitors Fees | Exit | Set in your letter of offer |
| Loan Top Up | Event | $300.00 |
| Valuation Fees | Event | Set in your letter of offer |
| Solicitor Fees | Event | Set in your letter of offer |
| Document Custody Fee | Event | $25.00 |
| Discharge (Partial): Valuation Fees From | Exit | Set in your letter of offer |
| Solicitors Fees | Upfront | $330.00 |
| Settlement Fees | Upfront | $395.00 |
| Valuation Fee | Upfront | Set in your letter of offer |
| Documentation Fee | Upfront | $25.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Split Loans available | |
| Other | Pay weekly, fortnightly or monthly | |
| Extra repayments | If you have a variable loan you can make as many extra payments as you want, with no penalty at anytime | |
| Offset | Fully transactional 100% Offset Account. Note Better Choice offset sub-accounts do not have access by cards. | |
| Other | Pay interest only. You can pay just the interest for up to 5 years for both Owner Occupied and Investment properties | |
| Digital banking | Free internet and telephone transacting | |
| Redraw | ||
| Eligibility: employment status | Yes | The customer must also meet Better Choice’s credit criteria, including demonstration of ability to meet repayment obligations offer acceptable residential property as security |
| Eligibility: business | A company and meet the following requirements: - Satisfactory investigation by BNK; and - Company borrowing being supported by the personal guarantee of the director(s). Guarantees from companies & trusts are not acceptable | |
| Eligibility: min age | 18 | |
| Eligibility: natural person | An Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a nontrading entity) and the family trust beneficiaries are all individuals | |
| Eligibility: residency status | An Australian citizen, permanent resident or Australian resident for tax purposes | be an Australian citizen or Australian permanent resident (limited exceptions may apply subject to conditions) |
| Limit: min balance | 50000.00 | |
| Limit: max balance | 2500000.00 | |
| Limit: max lvr | 0.0085 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 50% or less · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.39% | 7.46% |
| Variable · investment · principal and interest · LVR 80%–85% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.32% |
| Variable · investment · interest only · LVR 65%–70% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.54% | 7.62% |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 7.39% | 7.46% |
| Variable · investment · principal and interest · LVR 60%–65% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · principal and interest · LVR 55%–60% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · owner occupied · interest only · LVR 55%–60% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · principal and interest · LVR 75%–80% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 7.54% | 7.62% |
| Variable · investment · principal and interest · LVR 50%–55% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · interest only · LVR 75%–80% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 7.69% | 7.77% |
| Variable · owner occupied · principal and interest · LVR 60%–65% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.19% | 7.26% |
| Variable · owner occupied · principal and interest · LVR 55%–60% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.19% | 7.26% |
| Variable · investment · interest only · LVR 80%–85% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 8.39% | 8.47% |
| Variable · investment · principal and interest · LVR 70%–75% · $50,000–$2,250,000 | 1 Nov 2026 | Current | 7.44% | 7.51% |
| Variable · investment · principal and interest · LVR 65%–70% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.39% | 7.46% |
| Variable · owner occupied · interest only · LVR 65%–70% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.39% | 7.46% |
| Variable · owner occupied · principal and interest · LVR 50% or less · $50,000–$2,500,000 | 1 Nov 2026 | Current | 6.99% | 7.06% |
| Variable · owner occupied · principal and interest · LVR 65%–70% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.24% | 7.31% |
| Variable · owner occupied · interest only · LVR 50%–55% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · owner occupied · principal and interest · LVR 50%–55% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.19% | 7.26% |
| Variable · owner occupied · principal and interest · LVR 70%–75% · $50,000–$2,250,000 | 1 Nov 2026 | Current | 7.29% | 7.36% |
| Variable · owner occupied · interest only · LVR 60%–65% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · interest only · LVR 70%–75% · $50,000–$2,250,000 | 1 Nov 2026 | Current | 7.59% | 7.67% |
| Variable · investment · interest only · LVR 60%–65% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.49% | 7.57% |
| Variable · investment · principal and interest · LVR 50% or less · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.24% | 7.31% |
| Variable · owner occupied · interest only · LVR 75%–80% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 7.54% | 7.62% |
| Variable · owner occupied · interest only · LVR 50% or less · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.24% | 7.31% |
| Variable · investment · interest only · LVR 50%–55% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.49% | 7.57% |
| Variable · owner occupied · interest only · LVR 70%–75% · $50,000–$2,250,000 | 1 Nov 2026 | Current | 7.44% | 7.51% |
| Variable · owner occupied · interest only · LVR 80%–85% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 8.24% | 8.32% |
| Variable · investment · interest only · LVR 55%–60% · $50,000–$2,500,000 | 1 Nov 2026 | Current | 7.49% | 7.57% |
| Variable · owner occupied · principal and interest · LVR 80%–85% · $50,000–$2,000,000 | 1 Nov 2026 | Current | 8.09% | 8.17% |
*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.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
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