loans.com.au's Bare Home Loan is a no‑frills mortgage designed for straightforward home financing, offering competitive variable rates with principal and interest repayments only. Borrow up to $3,000,000 (up to 90% LVR), make unlimited extra repayments, and access funds anytime with a convenient redraw facility - all with no ongoing fees.
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 |
|---|---|---|---|---|---|
| 6.49% | 6.53% | Variable · investment · principal and interest · LVR 90% or less | CDR | 1 Nov 2026 | |
| 6.19% | 6.23% | 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://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare- Content hash
sha256 faeb47c3fef9204990bfec1607f39d7bf318ad1789b77de8fd461a50ba606425- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_faeb47c3fef92049_4e88873eShow details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare- Content hash
sha256 faeb47c3fef9204990bfec1607f39d7bf318ad1789b77de8fd461a50ba606425- 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 |
|---|---|---|
| Settlement Fee | Event | $300.00 |
| Application Fee | Upfront | $0.00 |
| Security Assessment Fee | Upfront | Set in your letter of offer |
| Discharge Administration Fee | Exit | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. | |
| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan |
| Eligibility: residency status | Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. | |
| Limit: other | P30Y | |
| Limit: other | P15Y | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 3000000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.49% | 6.53% |
| Variable · owner occupied · principal and interest · LVR 90% or less | 1 Nov 2026 | Current | 6.19% | 6.23% |
*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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