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 21 Oct 2026

At a glance

Variable (owner occ. P&I): 6.40%6.43% comparison
Variable (investor P&I): 6.60%
Max LVR: 95%
Annual fee: $299
Features: offset, redraw, extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 6.38%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 6.45%Every other institution's lowest, 103 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	6.45%	5.93%SCCU's BROKER HOME LOAN	6.38%of 104 institutions	65th lowest of 104
Investor variable home loanInvestment, principal & interest, 80% LVR	6.65%	5.94%AAA Financial Corporation's Portfolio Loan	6.59%of 104 institutions	63rd lowest of 104

Rates

Every rate BNK Bank (Goldfields Money/BCHL) publishes for this home loan, 10 in all.

Variable rate by LVR

Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value

≤70%6.40%
70–80%6.45%
80–90%8.22%
90–95%8.64%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
VariableINV IO Up to 70% LVR	Investment, Interest only	-	≤70% LVR, $100,000–$2,000,000	6.75%	6.84%	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	6.80%	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	8.57%	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	6.60%	6.69%	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	6.65%	6.74%	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	8.27%	8.37%	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	6.40%	6.43%	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	6.45%	6.48%	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	8.22%	8.25%	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	8.64%	8.67%	Rate applied to new Gold Prime Special Residential home loans

Rate changes

10 changes logged, newest first.

Date	Rate	Was	Now	Change
22 Oct 2026	Variable, Investment, Interest only, ≤70% LVR, $100,000–$2,000,000	6.50%	6.75%	up 0.25
22 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $100,000–$2,000,000	6.55%	6.80%	up 0.25
22 Oct 2026	Variable, Investment, Interest only, 80–90% LVR, $100,000–$2,000,000	8.32%	8.57%	up 0.25
22 Oct 2026	Variable, Investment, P&I, ≤70% LVR, $100,000–$2,000,000	6.35%	6.60%	up 0.25
22 Oct 2026	Variable, Investment, P&I, 70–80% LVR, $100,000–$2,000,000	6.40%	6.65%	up 0.25
22 Oct 2026	Variable, Investment, P&I, 80–90% LVR, $100,000–$1,500,000	8.02%	8.27%	up 0.25
22 Oct 2026	Variable, Owner occupied, P&I, ≤70% LVR, $100,000–$2,000,000	6.15%	6.40%	up 0.25
22 Oct 2026	Variable, Owner occupied, P&I, 70–80% LVR, $100,000–$2,000,000	6.20%	6.45%	up 0.25
22 Oct 2026	Variable, Owner occupied, P&I, 80–90% LVR, $100,000–$1,500,000	7.97%	8.22%	up 0.25
22 Oct 2026	Variable, Owner occupied, P&I, 90–95% LVR, $100,000–$1,500,000	8.39%	8.64%	up 0.25

Each change is logged the night it appears in the rates BNK Bank (Goldfields Money/BCHL) publishes. See how every lender answered the RBA on the rate tracker.

Fees

22 fees published, grouped by when they're charged.

When you take it outUp to $3308 fees, each listed below
While you hold it$299 a yearAnnual Fee
When you close it or pay it offUp to $3504 fees, each listed below

When you take it out8

Application Fee
Application Fee for Investment Loan
$295
Application Fee
Application Fee for Owner Occupied Loan Fee waived for OO Loans
$295
Document Handling Fee
Document fee at the beginning of the loan
$25
Document Handling Fee
Document fee at the beginning of the loan
$25
Solicitors Fees
Solicitors Fees
$330
Solicitors Fees
Solicitors Fees Waived for OO Loans
$330
Valuation Fees
Valuation Fee to access the cost of the purchase property
From $1
Valuation Fees
Valuation Fee refund
From $1

While you hold it1

Annual Fee
Annual fee for investment loans only
$299 a year

When particular things happen9

Conversion: Funder Fee
This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc
$250
Conversion: Variation Fee
This fee is associated with conversion of an existing loan - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc
$250
Loan Top Up
This fee is incurred when a customer requests an increase for an existing loan
$350
Other Fees: Document Custody Fee
$25
Solicitors Fees
This fee is incurred for existing loans when they increase on an existing Loan
$350
Substitution of Security: Funder Fee
Substitution of Security
$250
Substitution of Security: Solicitor Fees
From $1
Substitution of Security: Valuation Fees
Substitution of Security
From $1
Valuation costs
This fee is incurred for existing loans when they increase on an existing Loan
From $1

When you close it or pay it off4

Discharge (Full or Partial): Solicitor Fees
Solicitor Fees for Discharge (Full or Partial)
From $1
Discharge (Full or partial)
Discharging a loan
$350
Discharge Fee
Discharge fee to close/discharge the loan
$350
Discharge Fee
Discharge fee to close/discharge the loan
$350

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.

Eligibility and limits

Minimum age 18
Residency: An Australian citizen, permanent resident or Australian resident for tax purposes
Employment: Yes
Available to individuals
Available to businesses
Minimum balance $100,000

Compare it with others

All home loans Other BNK Bank (Goldfields Money/BCHL) home loans Everything BNK Bank (Goldfields Money/BCHL) publishes

Put this product through a calculator

Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 21 Oct 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.