loans.com.au's Bare Home Loan 75 is a no‑frills owner occupied mortgage designed for straightforward home financing, offering a competitive variable rate with principal and interest repayments only. Borrow up to $3,000,000 (up to 75% LVR), make unlimited extra repayments, and access funds anytime with a convenient redraw facility.
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 |
|---|---|---|---|---|---|
| 6.09% | 6.09% | Variable · owner occupied · principal and interest · LVR 75% or less | CDR | 5 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
- 5 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare-75- Content hash
sha256 eca874c4f127f797f5b3255bf014482059b4592562c95cb47fcc1bb3d24d42b3- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_eca874c4f127f797_46afe8feShow details
- Checked
- 5 Nov 2026
- URL
https://prd.pm.productdata.au/270801a2-ecee-4175-98fc-9ba0a1cd8d4d/adapter/cds-au/v1/banking/products/lca-bare-75- Content hash
sha256 eca874c4f127f797f5b3255bf014482059b4592562c95cb47fcc1bb3d24d42b3- 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 5 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Settlement Fee | Upfront | $0.00 |
| Discharge Administration Fee | Exit | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
| Security Assessment Fee | Upfront | $0.00 |
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| Redraw | Enables access to any extra repayments made, allowing funds to be withdrawn if needed.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 · owner occupied · principal and interest · LVR 75% or less | 5 Nov 2026 | Current | 6.09% | 6.09% |
*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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