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Bank Australia home loans

Compare Bank Australia home loans and find a competitive loan today.

Marc Terrano
Marc Terrano

Last updated:

Bank Australia

Find essential information about Bank Australia home loans on this page. Skip ahead to the full table of products or read more about Bank Australia home loans below.

Compare Bank Australia home loans

Compare Bank Australia home loans below. Hit "load more" to see a fuller selection of home loans and hit "Enquire now" to speak to a mortgage broker.

Rates last updated October 19th, 2019
$
Loan purpose
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Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
Bank Australia Basic Home Loan - Special LVR <80% (Owner Occupier)
Bank Australia Basic Home Loan - Special LVR <80% (Owner Occupier)
3.35%
3.36%
$0
$0 p.a.
80%
This special rate mortgage has no ongoing fees and offers flexible repayments. Save $595 in establishment fees before 31 December.
More info
Bank Australia Premium Home Loan Package - 2 Year Fixed (Investor, P&I)
Bank Australia Premium Home Loan Package - 2 Year Fixed (Investor, P&I)
3.74%
4.27%
$0
$350 p.a.
80%
A 2 year fixed loan for borrowers looking to fund their investment property purchase.
More info
Bank Australia Premium Home Loan Package - 2 Year Fixed (Owner Occupier) LVR 70% to 90%
Bank Australia Premium Home Loan Package - 2 Year Fixed (Owner Occupier) LVR 70% to 90%
2.99%
3.75%
$0
$350 p.a.
90%
Provides the certainty of fixed interest and repayments for the term of your fixed period
More info

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Bank Australia lender profile

  • Bank Australia has been in business since 1957. It is a customer-owned bank without external shareholders.
  • Bank Australia is Australia's largest customer-owned bank and was formed when a number of credit unions joined forces.
  • The bank is also committed to responsible lending and investment, which includes investing in community projects and refusing to lend to the fossil fuel industry.

Bank Australia mortgage features

Bank Australia has mortgages for home buyers and investors, fixed and variable rates plus a line of credit loan.

FeatureDetails
Customer owned bankBank Australia is owned by its members. This means it can re-invest profits and pass on the savings to customers rather than shareholders.
Deposit Most Bank Australia home loans let you borrow up to 80%. In other words, you need a 20% deposit.
Redraw facilityMost Bank Australia home loans come with a redraw facility.

How do I apply for a Bank Australia mortgage?

You can learn more about a specific Bank Australia mortgage by clicking through to that product's review page. Clicking the "Enquire now"’ button will let you enter your details and get in touch with a mortgage broker who can help you apply for Bank Australia mortgage.

Eligibility

Each Bank Australia product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Bank Australia you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers (*now 3.09%, drops to 2.84% on 29 Oct), P&I $200K+

Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.

More info
Logo for Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.

More info
Logo for Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)

Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.

More info

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2 Responses

  1. Default Gravatar
    RonJanuary 2, 2018

    Do you have personal loans , To pay off all my other debts . and at what interest

    Reply
    • Avatarfinder Customer Care
      DeeJanuary 3, 2018Staff

      Hi Ron,

      Thanks for your question.

      If you are looking to consolidate your debts, you may compare personal loans for consolidation here. The interest rate varies per lender and you can check these details in our comparison table. The lowest comparison rate that I can see is at 9.36%p.a.

      Please be mindful of the eligibility criteria for each loan before submitting your application.

      Cheers,
      Anndy

      Reply
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