BNK Bank (Goldfields Money/BCHL)Prime Alt Doc (BNK)
The Better Choice Prime Alt Doc Variable Home Loan offers a standard variable loan with the option to use alternative forms to verify income. Available up to 85% LVR, this loan suits borrowers that are looking for flexibility with their home loan and investment properties
Home loansBank updated 21 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 6.99%7.06% comparison
- Variable (investor P&I)
- 7.24%
- Max LVR
- 0.85%
- Features
- offset, redraw, extra repayments
Rates
Every rate BNK Bank (Goldfields Money/BCHL) publishes for this home loan, 32 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
- ≤50%6.99%
- 50–55%7.19%
- 55–60%7.19%
- 60–65%7.19%
- 65–70%7.24%
- 70–75%7.29%
- 75–80%7.39%
- 80–85%8.09%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableINV IO Up to 50% LVR | Investment, Interest only | - | ≤50% LVR, $50,000–$2,500,000 | 7.39% | 7.46% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 55% LVR | Investment, Interest only | - | 50–55% LVR, $50,000–$2,500,000 | 7.49% | 7.57% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 60% LVR | Investment, Interest only | - | 55–60% LVR, $50,000–$2,500,000 | 7.49% | 7.57% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 65% LVR | Investment, Interest only | - | 60–65% LVR, $50,000–$2,500,000 | 7.49% | 7.57% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 70% LVR | Investment, Interest only | - | 65–70% LVR, $50,000–$2,500,000 | 7.54% | 7.62% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 75% LVR | Investment, Interest only | - | 70–75% LVR, $50,000–$2,250,000 | 7.59% | 7.67% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 80% LVR | Investment, Interest only | - | 75–80% LVR, $50,000–$2,000,000 | 7.69% | 7.77% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV IO Up to 85% LVR | Investment, Interest only | - | 80–85% LVR, $50,000–$2,000,000 | 8.39% | 8.47% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 50% LVR | Investment, P&I | - | ≤50% LVR, $50,000–$2,500,000 | 7.24% | 7.31% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 55% LVR | Investment, P&I | - | 50–55% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 60% LVR | Investment, P&I | - | 55–60% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 65% LVR | Investment, P&I | - | 60–65% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 70% LVR | Investment, P&I | - | 65–70% LVR, $50,000–$2,500,000 | 7.39% | 7.46% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 75% LVR | Investment, P&I | - | 70–75% LVR, $50,000–$2,250,000 | 7.44% | 7.51% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 80% LVR | Investment, P&I | - | 75–80% LVR, $50,000–$2,000,000 | 7.54% | 7.62% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableINV P&I Up to 85% LVR | Investment, P&I | - | 80–85% LVR, $50,000–$2,000,000 | 8.24% | 8.32% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 50% LVR | Owner occupied, Interest only | - | ≤50% LVR, $50,000–$2,500,000 | 7.24% | 7.31% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 55% LVR | Owner occupied, Interest only | - | 50–55% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 60% LVR | Owner occupied, Interest only | - | 55–60% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 65% LVR | Owner occupied, Interest only | - | 60–65% LVR, $50,000–$2,500,000 | 7.34% | 7.41% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 70% LVR | Owner occupied, Interest only | - | 65–70% LVR, $50,000–$2,500,000 | 7.39% | 7.46% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 75% LVR | Owner occupied, Interest only | - | 70–75% LVR, $50,000–$2,250,000 | 7.44% | 7.51% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 80% LVR | Owner occupied, Interest only | - | 75–80% LVR, $50,000–$2,000,000 | 7.54% | 7.62% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO IO Up to 85% LVR | Owner occupied, Interest only | - | 80–85% LVR, $50,000–$2,000,000 | 8.24% | 8.32% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 50% LVR | Owner occupied, P&I | - | ≤50% LVR, $50,000–$2,500,000 | 6.99% | 7.06% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 55% LVR | Owner occupied, P&I | - | 50–55% LVR, $50,000–$2,500,000 | 7.19% | 7.26% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 60% LVR | Owner occupied, P&I | - | 55–60% LVR, $50,000–$2,500,000 | 7.19% | 7.26% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 65% LVR | Owner occupied, P&I | - | 60–65% LVR, $50,000–$2,500,000 | 7.19% | 7.26% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 70% LVR | Owner occupied, P&I | - | 65–70% LVR, $50,000–$2,500,000 | 7.24% | 7.31% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 75% LVR | Owner occupied, P&I | - | 70–75% LVR, $50,000–$2,250,000 | 7.29% | 7.36% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 80% LVR | Owner occupied, P&I | - | 75–80% LVR, $50,000–$2,000,000 | 7.39% | 7.46% | Rate applied to new Ultimate Prime Alt Doc home loans |
| VariableOO P&I Up to 85% LVR | Owner occupied, P&I | - | 80–85% LVR, $50,000–$2,000,000 | 8.09% | 8.17% | Rate applied to new Ultimate Prime Alt Doc home loans |
Rate changes
32 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 22 Oct 2026 | Variable, Investment, Interest only, ≤50% LVR, $50,000–$2,500,000 | 7.14% | 7.39% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 50–55% LVR, $50,000–$2,500,000 | 7.24% | 7.49% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 55–60% LVR, $50,000–$2,500,000 | 7.24% | 7.49% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 60–65% LVR, $50,000–$2,500,000 | 7.24% | 7.49% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $50,000–$2,500,000 | 7.29% | 7.54% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $50,000–$2,250,000 | 7.34% | 7.59% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR, $50,000–$2,000,000 | 7.44% | 7.69% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR, $50,000–$2,000,000 | 8.14% | 8.39% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, ≤50% LVR, $50,000–$2,500,000 | 6.99% | 7.24% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 50–55% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 55–60% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 60–65% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $50,000–$2,500,000 | 7.14% | 7.39% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $50,000–$2,250,000 | 7.19% | 7.44% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $50,000–$2,000,000 | 7.29% | 7.54% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 80–85% LVR, $50,000–$2,000,000 | 7.99% | 8.24% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, ≤50% LVR, $50,000–$2,500,000 | 6.99% | 7.24% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 50–55% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 55–60% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 60–65% LVR, $50,000–$2,500,000 | 7.09% | 7.34% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $50,000–$2,500,000 | 7.14% | 7.39% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 70–75% LVR, $50,000–$2,250,000 | 7.19% | 7.44% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 75–80% LVR, $50,000–$2,000,000 | 7.29% | 7.54% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, Interest only, 80–85% LVR, $50,000–$2,000,000 | 7.99% | 8.24% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, ≤50% LVR, $50,000–$2,500,000 | 6.74% | 6.99% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 50–55% LVR, $50,000–$2,500,000 | 6.94% | 7.19% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 55–60% LVR, $50,000–$2,500,000 | 6.94% | 7.19% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 60–65% LVR, $50,000–$2,500,000 | 6.94% | 7.19% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $50,000–$2,500,000 | 6.99% | 7.24% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 70–75% LVR, $50,000–$2,250,000 | 7.04% | 7.29% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 75–80% LVR, $50,000–$2,000,000 | 7.14% | 7.39% | up 0.25 |
| 22 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR, $50,000–$2,000,000 | 7.84% | 8.09% | 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
15 fees published, grouped by when they're charged.
- When you take it outUp to $3954 fees, each listed below
- While you hold itNo fee published
- When you close it or pay it offUp to $3903 fees, each listed below
When you take it out4
- Documentation Fee
Documentation Fee for preparing loan contract and other documentation
$25 - Settlement Fees
Settlement Fees
$395 - Solicitors Fees
Solicitors Fees
$330 - Valuation Fee
An at-cost fee that is relevant to a customer's circumstances where the amount or rate may not be known until negotiated with the customer. This fee relates to the valuation of the property required…
From $1
When particular things happen7
- Document Custody Fee
Document Custody Fee
$25 - Loan Top Up
This fee is incurred when a customer requests an increase for an existing loan
$300 - Solicitor Fees
Solicitors fees for when the loan is altered and solicitors need to provide/amend documents for increasing of existing mortgage
From $1 - Substitution of Security
Substitution of Security
$690 - Valuation Fees - Substitution of Security
Substitution of Security - Valuation Fees
From $1 - Valuation Fees
Valuation Fees when a new valuation is required for the property for increasing of an existing mortgage
From $1 - Variation Fee
Conversion - Convert to Fixed Rate (Full or Partial), Interest Only, Principal & Interest, Full Doc
$200
When you close it or pay it off3
- Discharge (Full or Partial): Solicitors Fees
Solicitors Fees for discharging a loan - At cost
From $1 - Discharge (Full or partial)
Discharging a loan - $390 per security + 3rd Party costs per security ($220 per additional security)
$390 - Discharge (Partial): Valuation Fees From
Discharge (Partial): Valuation Fees From - At cost
From $1
Other fees1
- Solicitors Fees
Solicitor Fees for Substitution of Security - At cost
From $1
Features
Offset accountRedrawExtra repaymentsDigital banking
- Split Loans available
- Pay weekly, fortnightly or monthly
- Pay interest only. You can pay just the interest for up to 5 years for both Owner Occupied and Investment properties
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
- Maximum LVR 0.85%
- Minimum balance $50,000
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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.