Bank Australia
Basic Investment Loan IO
Our Basic Investment Loan is anything but, with a low rate, low fees and feel-good features. With Interest Only repayments.
Home loansBank updated 3 July 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $0
- Features
- extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · Interest only | — | ≤60% LVR | 6.59% | 6.45% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.59% | 6.45% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.59% | 6.45% | — |
| Variable | Investment · Interest only | — | 80–90% LVR | 6.84% | 6.70% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| 1st Valuation Fee | Event | No fee | — | — |
| Mortgage Discharge Fee | Event | $275 | — | Payable when you discharge the mortgage. Statutory government registration fees will still apply. |
| Portability Fee- New Mortgage | Event | $500 | — | Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia. |
| Annual fee | Periodic | No fee | Every 1 yr | — |
| Monthly Fee | Periodic | No fee | Every 1 mo | — |
| Home Loan Establishment Fee | Upfront | No fee | — | Payable for all mortgage secured loans to cover Bank Australia administration costs including preparing security documents. |
§ 03 — Features
Extra repaymentsDigital banking
- · Make your loan repayments monthly
- · Split loan between variable and fixed is available
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AU
- · Available to individuals
- · Amount $10,000 to no maximum
- · Applications for loans are subject to the Bank's lending criteria.
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank Australia under the Consumer Data Right, last changed by them on 3 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.