BNK Bank (Goldfields Money/BCHL)
Gold Prime Residential Special Home Loans
The Better Choice Gold Special Home Loan offers a standard variable loan. This loan suits borrowers that are looking for flexibility with their home loan and investment properties with a fully transactionable 100% Offset account.
Home loansBank updated 11 May 2026
At a glance
- Variable (owner occ. P&I)
- 6.15% · 6.18% comparison
- Variable (investor P&I)
- 6.35%
- Max LVR
- 95%
- Annual fee
- $299
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 10
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableINV IO Up to 70% LVR | Investment · Interest only | — | ≤70% LVR · $100,000–$2,000,000 | 6.50% | 6.59% | Rate applied to new Gold Prime Special Residential home loans |
| VariableINV IO Up to 80% LVR | Investment · Interest only | — | 70–80% LVR · $100,000–$2,000,000 | 6.55% | 6.64% | Rate applied to new Gold Prime Special Residential home loans |
| VariableINV IO Up to 90% LVR | Investment · Interest only | — | 80–90% LVR · $100,000–$2,000,000 | 8.32% | 8.42% | Rate applied to new Gold Prime Special Residential home loans |
| VariableINV P&I Up to 70% LVR | Investment · P&I | — | ≤70% LVR · $100,000–$2,000,000 | 6.35% | 6.44% | Rate applied to new Gold Prime Special Residential home loans |
| VariableINV P&I Up to 80% LVR | Investment · P&I | — | 70–80% LVR · $100,000–$2,000,000 | 6.40% | 6.49% | Rate applied to new Gold Prime Special Residential home loans |
| VariableINV P&I Up to 90% LVR | Investment · P&I | — | 80–90% LVR · $100,000–$1,500,000 | 8.02% | 8.12% | Rate applied to new Gold Prime Special Residential home loans |
| VariableOO P&I Up to 70% LVR | Owner occupied · P&I | — | ≤70% LVR · $100,000–$2,000,000 | 6.15% | 6.18% | Rate applied to new Gold Prime Special Residential home loans |
| VariableOO P&I Up to 80% LVR | Owner occupied · P&I | — | 70–80% LVR · $100,000–$2,000,000 | 6.20% | 6.23% | Rate applied to new Gold Prime Special Residential home loans |
| VariableOO P&I Up to 90% LVR | Owner occupied · P&I | — | 80–90% LVR · $100,000–$1,500,000 | 7.97% | 8.00% | Rate applied to new Gold Prime Special Residential home loans |
| VariableOO P&I Up to 95% LVR | Owner occupied · P&I | — | 90–95% LVR · $100,000–$1,500,000 | 8.39% | 8.42% | Rate applied to new Gold Prime Special Residential home loans |
§ 02 — Fees · 22
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Conversion: Funder Fee | Event | $250 | — | This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc |
| Conversion: Variation Fee | Event | $250 | — | This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc |
| Loan Top Up | Event | $350 | — | This fee is incurred when a customer requests an increase for an existing loan |
| Other Fees: Document Custody Fee | Event | $25 | — | — |
| Solicitors Fees | Event | $350 | — | This fee is incurred for existing loans when they increase on an existing Loan |
| Substitution of Security: Funder Fee | Event | $250 | — | Substitution of Security |
| Substitution of Security: Solicitor Fees | Event | $1 | — | — |
| Substitution of Security: Valuation Fees | Event | $1 | — | Substitution of Security |
| Valuation costs | Event | $1 | — | This fee is incurred for existing loans when they increase on an existing Loan |
| Discharge (Full or Partial): Solicitor Fees | Exit | $1 | — | Solicitor Fees for Discharge (Full or Partial) |
| Discharge (Full or partial) | Exit | $350 | — | Discharging a loan |
| Discharge Fee | Exit | $350 | — | Discharge fee to close/discharge the loan |
| Discharge Fee | Exit | $350 | — | Discharge fee to close/discharge the loan |
| Annual Fee | Periodic | $299 | Every 1 yr | Annual fee for investment loans only |
| Application Fee | Upfront | $295 | — | Application Fee for Investment Loan |
| Application Fee | Upfront | $295 | — | Application Fee for Owner Occupied Loan Fee waived for OO Loans |
| Document Handling Fee | Upfront | $25 | — | Document fee at the beginning of the loan |
| Document Handling Fee | Upfront | $25 | — | Document fee at the beginning of the loan |
| Solicitors Fees | Upfront | $330 | — | Solicitors Fees |
| Solicitors Fees | Upfront | $330 | — | Solicitors Fees Waived for OO Loans |
| Valuation Fees | Upfront | $1 | — | Valuation Fee to access the cost of the purchase property |
| Valuation Fees | Upfront | $1 | — | Valuation Fee refund |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital banking
- · Pay weekly, fortnightly or monthly
- · Pay interest only. You can pay just the interest for up to 5 years if its an investment property.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: An Australian citizen, permanent resident or Australian resident for tax purposes
- · Employment: Yes
- · Available to businesses
- · Minimum balance $100,000
- · Provide sufficient security and provide satisfactory assessment in accordance with Better Choice’s credit assessment criteria
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 11 May 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.