Bank Australia
Basic Investment Loan Fixed
Our Basic Investment Loan is anything but, with low fees and feel-good features. With the certainty of a fixed rate.
Home loansBank updated 18 Sept 2026
At a glance
- Max LVR
- 90%
- Annual fee
- $0
- Features
- extra repayments
§ 01 — Rates · 16
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · P&I | 1 yr fixed | ≤60% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 1 yr fixed | 60–70% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 1 yr fixed | 70–80% LVR | 6.79% | 6.39% | — |
| Fixed | Investment · P&I | 1 yr fixed | 80–90% LVR | 7.09% | 6.65% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤60% LVR | 6.84% | 6.44% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 60–70% LVR | 6.84% | 6.44% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 70–80% LVR | 6.84% | 6.44% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 80–90% LVR | 7.09% | 6.69% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤60% LVR | 6.94% | 6.52% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 60–70% LVR | 6.94% | 6.52% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 70–80% LVR | 6.94% | 6.52% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 80–90% LVR | 7.24% | 6.78% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤60% LVR | 7.04% | 6.65% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 60–70% LVR | 7.04% | 6.65% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 70–80% LVR | 7.04% | 6.65% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 80–90% LVR | 7.29% | 6.91% | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Break Fee | Event | $0 to $999,999.99 | — | You may be required to pay a break fee if you pay your fixed loan off in full, make an early repayment or make certain other changes to your loan during any fixed period. The fee is calculated at the… |
| 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. |
| Rate Lock Fee | Other | 0.10% of balance | — | Payable when you choose to lock in the fixed rate at application. 0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed… |
| 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 weekly, fortnightly or monthly
- · Fixed rate lock; With our rate lock you can apply for a fixed interest rate on your home loan and lock in the rate while your home loan settles.
- · 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 18 Sept 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.