Home loan rates › BNK Bank (Goldfields Money/BCHL)
Gold Prime Residential Basic Home Loans
BNK Bank (Goldfields Money/BCHL)
The Better Choice Gold Special Basic Variable Home Loan offers a standard variable loan. Available up to 80% 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 |
|---|---|---|---|---|---|
| 6.65% | 6.74% | Variable · investment · interest only · LVR 70% or less · $100,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 6.70% | 6.79% | Variable · investment · interest only · LVR 70%–80% · $100,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 6.50% | 6.59% | Variable · investment · principal and interest · LVR 70% or less · $100,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 6.55% | 6.64% | Variable · investment · principal and interest · LVR 70%–80% · $100,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 6.30% | 6.33% | Variable · owner occupied · principal and interest · LVR 70% or less · $100,000–$2,000,000 | CDR | 1 Nov 2026 | |
| 6.35% | 6.38% | Variable · owner occupied · principal and interest · LVR 70%–80% · $100,000–$2,000,000 | 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/2001- Content hash
sha256 cced13da0de3c230c4b0b4255f65d0edab7813a9c896a09199e5832c2c469e64- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_cced13da0de3c230_c40c5c63Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.bnk.com.au/cds-au/v1/banking/products/2001- Content hash
sha256 cced13da0de3c230c4b0b4255f65d0edab7813a9c896a09199e5832c2c469e64- 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 |
|---|---|---|
| Valuation costs | Event | Set in your letter of offer |
| Substitution of Security: Valuation Fees | Event | Set in your letter of offer |
| Loan Top Up | Event | $350.00 |
| Solicitors Fees | Event | $350.00 |
| Conversion: Variation Fee | Event | $250.00 |
| Conversion: Funder Fee | Event | $250.00 |
| Substitution of Security: Funder Fee | Event | $250.00 |
| Other Fees: Document Custody Fee | Event | $25.00 |
| Discharge (Full or partial) | Exit | $350.00 |
| Substitution of Security: Solicitor Fees | Event | Set in your letter of offer |
| Discharge (Full or Partial): Solicitor Fees | Exit | Set in your letter of offer |
| Annual Fee | Periodic | $299.00 |
| Document Handling Fee | Upfront | $25.00 |
| Discharge Fee | Exit | $350.00 |
| Solicitors Fees | Upfront | $330.00 |
| Application Fee | Upfront | $295.00 |
| Valuation Fees | Upfront | Set in your letter of offer |
| Solicitors Fees | Upfront | $330.00 |
| Application Fee | Upfront | $295.00 |
| Discharge Fee | Exit | $350.00 |
| Document Handling Fee | Upfront | $25.00 |
| Valuation Fees | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Free internet and telephone transacting | |
| Extra repayments | If you have a variable loan you can make as many extra payments as you want, with no penalty at anytime | |
| Other | Pay interest only. You can pay just the interest for up to 5 years if its an investment property. | |
| Other | Pay weekly, fortnightly or monthly | |
| Redraw | ||
| Eligibility: natural person | Provide sufficient security and provide satisfactory assessment in accordance with Better Choice’s credit assessment criteria | |
| Eligibility: business | Be 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: business | Be an Australian corporate trustee as trustee for a family trust, (provided the corporate trustee is a non-trading entity) and the family trust beneficiaries are all individuals | |
| Eligibility: employment status | Yes | Entity must be able to provide a stable income to make repayments on the loan |
| Eligibility: min age | 18 | |
| 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: max balance | 2000000.00 | |
| Limit: min balance | 100000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 70%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.55% | 6.64% |
| Variable · investment · interest only · LVR 70%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.70% | 6.79% |
| Variable · owner occupied · principal and interest · LVR 70%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.35% | 6.38% |
| Variable · owner occupied · principal and interest · LVR 70% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.30% | 6.33% |
| Variable · investment · principal and interest · LVR 70% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.50% | 6.59% |
| Variable · investment · interest only · LVR 70% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | 6.65% | 6.74% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.