Bank Orange home loans

Bank Orange has home loan rates starting from 5.69%.

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Bank Orange is a member-owned lender offering a range of home loans for Australian borrowers. Check out the full table of Bank Orange products below or read more about the lender.

Compare Bank Orange home loans for December 2024

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Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Bank Orange logo
Principal & InterestInterest only 2Y Fixed5% min. depositOffset account
Bank Orange logo
Principal & InterestInterest only 2Y Fixed5% min. depositOffset account
Product NameBank Orange Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.69%
Comp. Rate p.a.7.11%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.69%
Comparison Rate
7.11%
Fees
Application: $155
Ongoing: $0 p.a.
Monthly Payment
$871
Bank Orange logo
Principal & InterestInterest only 1Y Fixed5% min. depositOffset account
Bank Orange logo
Principal & InterestInterest only 1Y Fixed5% min. depositOffset account
Product NameBank Orange Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.94%
Comp. Rate p.a.7.30%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.94%
Comparison Rate
7.30%
Fees
Application: $155
Ongoing: $0 p.a.
Monthly Payment
$895
Bank Orange logo
Principal & InterestInterest only 3Y Fixed5% min. depositOffset account
Bank Orange logo
Principal & InterestInterest only 3Y Fixed5% min. depositOffset account
Product NameBank Orange Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.79%
Comp. Rate p.a.6.99%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.79%
Comparison Rate
6.99%
Fees
Application: $155
Ongoing: $0 p.a.
Monthly Payment
$881
Bank Orange logo
Principal & InterestInterest only5% min. deposit
Bank Orange logo
Principal & InterestInterest only5% min. deposit
Product NameBank Orange Base Variable Rate Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.6.14%
Comp. Rate p.a.6.20%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
6.14%
Comparison Rate
6.20%
Fees
Application: $155
Ongoing: $0 p.a.
Monthly Payment
$914
Bank Orange logo
Principal & Interest2Y Interest only5% min. depositOffset account
Bank Orange logo
Principal & Interest2Y Interest only5% min. depositOffset account
Product NameBank Orange Introductory Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.5.94%
Comp. Rate p.a.7.16%
Minimum Loan Amount$20,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Finder score
Interest Rate
5.94%
Comparison Rate
7.16%
Fees
Application: $155
Ongoing: $0 p.a.
Monthly Payment
$895
More Info
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Bank Orange key facts

  • Bank Orange is a member-owned lender based in Orange, New South Wales.
  • Bank Orange offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as bank accounts, car loans, personal loans, financial planning and insurance products.

Bank Orange home loan features

Here are the key features and details you need to know about Bank Orange's mortgage products.

FeatureDetails
Minimum depositIt is possible to get a home loan from Bank Orange with a deposit as low as 5%.
Offset account?You can get an offset account with several Bank Orange loans.
Repayment optionsSeveral Bank Orange home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a mortgage from Bank Orange?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • 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 Orange 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:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, 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).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full Finder Score breakdown

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Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 558 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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