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Goldrate Home Loan

Our low rate home loan comes with a great range of features to help you pay off your home sooner.

Home loansBank updated 3 Nov 2026
Apply at Border Bank ↗Product page ↗Fees and pricing ↗

At a glance

Variable (owner occ. P&I)
6.24%6.31% comparison
Variable (investor P&I)
6.44%
Fixed
1 yr 6.49%, 2 yrs 6.49%, 3 yrs 6.54%, 5 yrs 6.74%
Max LVR
95%
Annual fee
$84
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.

This home loan: 6.29%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.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR6.29%5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions31st lowest of 104, level with 6 others
1-year fixed home loanOwner occupier, principal & interest, 80% LVR6.49%5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M6.59%of 82 institutions21st lowest of 82, level with 8 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR6.49%6.09%BankVic's Fixed Rate Home Loan - 2 years6.62%of 84 institutions22nd lowest of 84, level with 7 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.54%6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions22nd lowest of 80, level with 3 others
5-year fixed home loanOwner occupier, principal & interest, 80% LVR6.79%6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan6.89%of 63 institutions19th lowest of 63, level with 9 others
Investor variable home loanInvestment, principal & interest, 80% LVR6.49%5.94%AAA Financial Corporation's Portfolio Loan6.59%of 104 institutions25th lowest of 104, level with 15 others

Rates

Every rate Border Bank publishes for this home loan, 71 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

  1. Variabletypical 6.38%6.29%
  2. 1 yr fixedtypical 6.59%6.49%
  3. 2 yrs fixedtypical 6.62%6.49%
  4. 3 yrs fixedtypical 6.69%6.54%
  5. 5 yrs fixedtypical 6.89%6.79%
This home loanTypical lender's best

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

  1. ≤60%6.24%
  2. 60–80%6.29%
  3. ≤90%6.64%
  4. 80–95%6.64%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
FixedInvestment IO LVR<60% 1 Yr C8Investment, Interest only1 yr fixed≤60% LVR6.74%6.54%-
FixedInvestment IO LVR 60% -80% 1 Yr C15Investment, Interest only1 yr fixed60–80% LVR6.74%6.59%-
FixedInvestment IO LVR 80%-90% 1 Yr C16Investment, Interest only1 yr fixed80–90% LVR6.84%6.82%-
FixedInvestment IO LVR<60% 2 Yr C8Investment, Interest only2 yrs fixed≤60% LVR6.74%6.57%-
FixedInvestment IO LVR 60% -<80% 2 Yr C15Investment, Interest only2 yrs fixed60–80% LVR6.74%6.61%-
FixedInvestment IO LVR 80%-90% 2 Yr C16Investment, Interest only2 yrs fixed80–90% LVR6.84%6.83%-
FixedInvestment IO LVR<60% 3 Yr C8Investment, Interest only3 yrs fixed≤60% LVR6.79%6.61%-
FixedInvestment IO LVR 60% -<80% 3 Yr C15Investment, Interest only3 yrs fixed60–80% LVR6.79%6.65%-
FixedInvestment IO LVR 80%-90% 3 Yr C16Investment, Interest only3 yrs fixed80–90% LVR6.94%6.87%-
FixedInvestment IO LVR<60% 5 Yr C8Investment, Interest only5 yrs fixed≤60% LVR6.99%6.75%-
FixedInvestment IO LVR 60% -<80% 5 Yr C15Investment, Interest only5 yrs fixed60–80% LVR7.04%6.80%-
FixedInvestment IO LVR 80%-90% 5 Yr C16Investment, Interest only5 yrs fixed80–90% LVR7.19%7.01%-
FixedInvestment P&I LVR<60% 1 Yr C8Investment, P&I1 yr fixed≤60% LVR6.64%6.54%-
FixedInvestment P&I LVR 60% -<80% 1 Yr C15Investment, P&I1 yr fixed60–80% LVR6.64%6.58%-
FixedInvestment P&I LVR 80%-90% 1 Yr C16Investment, P&I1 yr fixed80–90% LVR6.74%6.82%-
FixedInvestment P&I LVR<60% 2 Yr C8Investment, P&I2 yrs fixed≤60% LVR6.64%6.55%-
FixedInvestment P&I LVR 60% -<80% 2 Yr C15Investment, P&I2 yrs fixed60–80% LVR6.64%6.59%-
FixedInvestment P&I LVR 80%-90% 2 Yr C16Investment, P&I2 yrs fixed80–90% LVR6.74%6.82%-
FixedInvestment P&I LVR<60% 3 Yr C8Investment, P&I3 yrs fixed≤60% LVR6.69%6.59%-
FixedInvestment P&I LVR 60% -<80% 3 Yr C15Investment, P&I3 yrs fixed60–80% LVR6.69%6.62%-
FixedInvestment P&I LVR 80%-90% 3 Yr C16Investment, P&I3 yrs fixed80–90% LVR6.84%6.84%-
FixedInvestment P&I LVR<60% 5 Yr C8Investment, P&I5 yrs fixed≤60% LVR6.84%6.69%-
FixedInvestment P&I LVR 60% -<80% 5 Yr C15Investment, P&I5 yrs fixed60–80% LVR6.89%6.74%-
FixedInvestment P&I LVR 80%-90% 5 Yr C16Investment, P&I5 yrs fixed80–90% LVR7.04%6.95%-
FixedOwner Occupied IO LVR<60% 1 Yr C13Owner occupied, Interest only1 yr fixed≤60% LVR6.64%6.35%-
FixedOwner Occupied IO LVR=90% 1 Yr C10 ACT Land Rent SchemeOwner occupied, Interest only1 yr fixed≤90% LVR6.74%6.72%-
FixedOwner Occupied IO LVR 60%-80% 1 Yr C14Owner occupied, Interest only1 yr fixed60–80% LVR6.64%6.40%-
FixedOwner Occupied IO LVR>80% 1 Yr C7Owner occupied, Interest only1 yr fixed80–95% LVR6.74%6.72%-
FixedOwner Occupied IO LVR<60% 2 Yr C13Owner occupied, Interest only2 yrs fixed≤60% LVR6.64%6.39%-
FixedOwner Occupied IO LVR=90% 2 Yr C10 ACT Land Rent SchemeOwner occupied, Interest only2 yrs fixed≤90% LVR6.74%6.73%-
FixedOwner Occupied IO LVR 60%-80% 2 Yr C14Owner occupied, Interest only2 yrs fixed60–80% LVR6.64%6.43%-
FixedOwner Occupied IO LVR>80% 2 Yr C7Owner occupied, Interest only2 yrs fixed80–95% LVR6.74%6.73%-
FixedOwner Occupied IO LVR<60% 3 Yr C13Owner occupied, Interest only3 yrs fixed≤60% LVR6.69%6.44%-
FixedOwner Occupied IO LVR=90% 3 Yr C10 ACT Land Rent SchemeOwner occupied, Interest only3 yrs fixed≤90% LVR6.84%6.77%-
FixedOwner Occupied IO LVR 60%-80% 3 Yr C14Owner occupied, Interest only3 yrs fixed60–80% LVR6.69%6.47%-
FixedOwner Occupied IO LVR>80% 3 Yr C7Owner occupied, Interest only3 yrs fixed80–95% LVR6.84%6.77%-
FixedOwner Occupied IO LVR<60% 5 Yr C13Owner occupied, Interest only5 yrs fixed≤60% LVR6.94%6.61%-
FixedOwner Occupied IO LVR=90% 5 Yr C10 ACT Land Rent SchemeOwner occupied, Interest only5 yrs fixed≤90% LVR7.19%6.95%-
FixedOwner Occupied IO LVR 60%-80% 5 Yr C14Owner occupied, Interest only5 yrs fixed60–80% LVR6.99%6.66%-
FixedOwner Occupied IO LVR>80% 5 Yr C7Owner occupied, Interest only5 yrs fixed80–95% LVR7.19%6.95%-
FixedOwner Occupied P&I LVR<60% 1 Yr C13Owner occupied, P&I1 yr fixed≤60% LVR6.49%6.34%-
FixedOwner Occupied P&I LVR=90% 1 Yr C10 ACT Land Rent SchemeOwner occupied, P&I1 yr fixed≤90% LVR6.59%6.71%-
FixedOwner Occupied P&I LVR 60%-80% 1 Yr C14Owner occupied, P&I1 yr fixed60–80% LVR6.49%6.38%-
FixedOwner Occupied P&I LVR>80% 1 Yr C7Owner occupied, P&I1 yr fixed80–95% LVR6.59%6.71%-
FixedOwner Occupied P&I LVR<60% 2 Yr C13Owner occupied, P&I2 yrs fixed≤60% LVR6.49%6.36%-
FixedOwner Occupied P&I LVR=90% 2 Yr C10 ACT Land Rent SchemeOwner occupied, P&I2 yrs fixed≤90% LVR6.59%6.70%-
FixedOwner Occupied P&I LVR 60%-80% 2 Yr C14Owner occupied, P&I2 yrs fixed60–80% LVR6.49%6.40%-
FixedOwner Occupied P&I LVR>80% 2 Yr C7Owner occupied, P&I2 yrs fixed80–95% LVR6.59%6.70%-
FixedOwner Occupied P&I LVR<60% 3 Yr C13Owner occupied, P&I3 yrs fixed≤60% LVR6.54%6.40%-
FixedOwner Occupied P&I LVR=90% 3 Yr C10 ACT Land Rent SchemeOwner occupied, P&I3 yrs fixed≤90% LVR6.69%6.73%-
FixedOwner Occupied P&I LVR 60%-80% 3 Yr C14Owner occupied, P&I3 yrs fixed60–80% LVR6.54%6.44%-
FixedOwner Occupied P&I LVR>80% 3 Yr C7Owner occupied, P&I3 yrs fixed80–95% LVR6.69%6.73%-
FixedOwner Occupied P&I LVR<60% 5 Yr C13Owner occupied, P&I5 yrs fixed≤60% LVR6.74%6.54%-
FixedOwner Occupied P&I LVR=90% 5 Yr C10 ACT Land Rent SchemeOwner occupied, P&I5 yrs fixed≤90% LVR6.94%6.85%-
FixedOwner Occupied P&I LVR 60%-80% 5 Yr C14Owner occupied, P&I5 yrs fixed60–80% LVR6.79%6.59%-
FixedOwner Occupied P&I LVR>80% 5 Yr C7Owner occupied, P&I5 yrs fixed80–95% LVR6.94%6.85%-
VariableInvestment IO LVR<60% C8Investment, Interest only-≤60% LVR6.59%6.57%-
VariableInvestment IO LVR 60% -<80% C15Investment, Interest only-60–80% LVR6.64%6.62%-
VariableInvestment IO LVR 80%-90% C16Investment, Interest only-80–90% LVR6.79%6.83%-
VariableInvestment P&I LVR<60% C8Investment, P&I-≤60% LVR6.44%6.51%-
VariableInvestment P&I LVR 60% -<80% C15Investment, P&I-60–80% LVR6.49%6.56%-
VariableInvestment P&I LVR 80%-90% C16Investment, P&I-80–90% LVR6.74%6.82%-
VariableOwner Occupied IO LVR<60% C13Owner occupied, Interest only-≤60% LVR6.54%6.44%-
VariableBridging Loan up to 80% C9Owner occupied, Interest only-≤80% LVR7.34%6.49%-
VariableOwner Occupied IO LVR=90% C10 ACT Land Rent SchemeOwner occupied, Interest only-≤90% LVR6.74%6.75%-
VariableOwner Occupied IO LVR 60%-80% C14Owner occupied, Interest only-60–80% LVR6.59%6.49%-
VariableOwner Occupied IO LVR>80% C7Owner occupied, Interest only-80–95% LVR6.74%6.75%-
VariableOwner Occupied P&I LVR<60% C13Owner occupied, P&I-≤60% LVR6.24%6.31%-
VariableOwner Occupied P&I =90% C11 ACT Land Rent SchemeOwner occupied, P&I-≤90% LVR6.64%6.72%-
VariableOwner Occupied P&I LVR 60%-80% C14Owner occupied, P&I-60–80% LVR6.29%6.36%-
VariableOwner Occupied P&I LVR>80% C7Owner occupied, P&I-80–95% LVR6.64%6.72%-

Rate changes

79 changes logged, newest first.

DateRateWasNowChange
3 Nov 2026Fixed, Investment, Interest only, 1 yr fixed, ≤60% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 1 yr fixed, 60–80% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 1 yr fixed, 80–90% LVR6.69%6.84%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 2 yrs fixed, ≤60% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 2 yrs fixed, 60–80% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 2 yrs fixed, 80–90% LVR6.69%6.84%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤60% LVR6.44%6.79%up 0.35
3 Nov 2026Fixed, Investment, Interest only, 3 yrs fixed, 60–80% LVR6.44%6.79%up 0.35
3 Nov 2026Fixed, Investment, Interest only, 3 yrs fixed, 80–90% LVR6.59%6.94%up 0.35
3 Nov 2026Fixed, Investment, Interest only, 5 yrs fixed, ≤60% LVR6.84%6.99%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 5 yrs fixed, 60–80% LVR6.89%7.04%up 0.15
3 Nov 2026Fixed, Investment, Interest only, 5 yrs fixed, 80–90% LVR7.04%7.19%up 0.15
3 Nov 2026Fixed, Investment, P&I, 1 yr fixed, ≤60% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Investment, P&I, 1 yr fixed, 60–80% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Investment, P&I, 1 yr fixed, 80–90% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, P&I, 2 yrs fixed, ≤60% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Investment, P&I, 2 yrs fixed, 60–80% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Investment, P&I, 2 yrs fixed, 80–90% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Investment, P&I, 3 yrs fixed, 80–90% LVR6.49%6.84%up 0.35
3 Nov 2026Fixed, Investment, P&I, 5 yrs fixed, ≤60% LVR6.69%6.84%up 0.15
3 Nov 2026Fixed, Investment, P&I, 5 yrs fixed, 60–80% LVR6.74%6.89%up 0.15
3 Nov 2026Fixed, Investment, P&I, 5 yrs fixed, 80–90% LVR6.89%7.04%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤60% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 1 yr fixed, ≤90% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 1 yr fixed, 60–80% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 1 yr fixed, 80–95% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤60% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤90% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 60–80% LVR6.49%6.64%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–95% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤60% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤90% LVR6.49%6.84%up 0.35
3 Nov 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 60–80% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–95% LVR6.49%6.84%up 0.35
3 Nov 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤60% LVR6.79%6.94%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤90% LVR7.04%7.19%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 60–80% LVR6.84%6.99%up 0.15
3 Nov 2026Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–95% LVR7.04%7.19%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤60% LVR6.34%6.49%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 1 yr fixed, ≤90% LVR6.44%6.59%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 1 yr fixed, 60–80% LVR6.34%6.49%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 1 yr fixed, 80–95% LVR6.44%6.59%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤60% LVR6.34%6.49%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 2 yrs fixed, ≤90% LVR6.44%6.59%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 60–80% LVR6.34%6.49%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 2 yrs fixed, 80–95% LVR6.44%6.59%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR6.19%6.54%up 0.35
3 Nov 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤90% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 60–80% LVR6.19%6.54%up 0.35
3 Nov 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 80–95% LVR6.34%6.69%up 0.35
3 Nov 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤60% LVR6.59%6.74%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 5 yrs fixed, ≤90% LVR6.79%6.94%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 60–80% LVR6.64%6.79%up 0.15
3 Nov 2026Fixed, Owner occupied, P&I, 5 yrs fixed, 80–95% LVR6.79%6.94%up 0.15
15 Oct 2026Variable, Investment, Interest only, ≤60% LVR6.34%6.59%up 0.25
15 Oct 2026Variable, Investment, Interest only, 60–80% LVR6.39%6.64%up 0.25
15 Oct 2026Variable, Investment, Interest only, 80–90% LVR6.54%6.79%up 0.25
15 Oct 2026Variable, Investment, P&I, ≤60% LVR6.19%6.44%up 0.25
15 Oct 2026Variable, Investment, P&I, 60–80% LVR6.24%6.49%up 0.25
15 Oct 2026Variable, Investment, P&I, 80–90% LVR6.49%6.74%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, ≤60% LVR6.29%6.54%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, ≤80% LVR7.09%7.34%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, ≤90% LVR6.49%6.74%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, 60–80% LVR6.34%6.59%up 0.25
15 Oct 2026Variable, Owner occupied, Interest only, 80–95% LVR6.49%6.74%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, ≤60% LVR5.99%6.24%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, ≤90% LVR6.39%6.64%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 60–80% LVR6.04%6.29%up 0.25
15 Oct 2026Variable, Owner occupied, P&I, 80–95% LVR6.39%6.64%up 0.25
2 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, ≤60% LVR6.19%6.44%up 0.25
2 Oct 2026Fixed, Investment, Interest only, 3 yrs fixed, 60–80% LVR6.19%6.44%up 0.25
2 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, ≤60% LVR6.09%6.34%up 0.25
2 Oct 2026Fixed, Investment, P&I, 3 yrs fixed, 60–80% LVR6.09%6.34%up 0.25
2 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤60% LVR6.09%6.34%up 0.25
2 Oct 2026Fixed, Owner occupied, Interest only, 3 yrs fixed, 60–80% LVR6.09%6.34%up 0.25
2 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, ≤60% LVR5.94%6.19%up 0.25
2 Oct 2026Fixed, Owner occupied, P&I, 3 yrs fixed, 60–80% LVR5.94%6.19%up 0.25

Each change is logged the night it appears in the rates Border Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

  1. When you take it out$600Establishment fee
  2. While you hold it$7 a monthMonthly Product Split Fee
  3. When you close it or pay it off$294Mortgage Discharge Fee

When you take it out1

  • Establishment fee
    $600

While you hold it1

  • Monthly Product Split Fee

    $7 per additional product per month during the period of the split, debited to the account for the other product each month.

    $7 a month

If a payment is late or fails2

  • Issue of Statutory Default Notice Legal Fees
    From $0
  • Late Payment Fee

    Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Police Bank loans and continuing credit accounts

    $10

When particular things happen24

  • Additional Valuation Fee

    At Cost. Payable to our valuer if more than one security is required for your loan and/or when application is made for additional finance and/or altering the title of the property or the property its…

    From $0
  • Arrears Letter Fee

    Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract.

    $6.50
  • Bridging Home Loan Establishment Fee

    For Bridging Loans only

    $880
  • Consent to Subdivision Fee

    Payable when you ask for our consent to register a subdivision or other plan or dealing.

    $162
  • Default Notice Fee

    Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter.

    $21.50
  • Excess Valuation Fee

    At Cost. Payable if and when the costs of valuing your security property/ies exceeds $300 in aggregate over the term of the loan. Calculated as an amount of the excess.

    From $0
  • Fixed Rate Lock Fee
    $600
  • Future Legal Costs and Disbursements Relating to any Variations, Dealings, Discharges

    At Cost. Payable to our solicitors when we incur costs in the enforcement of your contract. The costs may include court costs, legal costs, repossession costs and administrative costs.

    From $0
  • General Consent Fee

    Payable when you ask for our consent to any matter relating to a loan contract or security (other than a matter for which a separate fee is payable).

    $250
  • Independent Legal Advice/Interpreter Service

    At Cost. You may be advised to seek independent legal advice or interpreter services. If so, you will be charged a fee by the service provider.

    From $0
  • Insurance

    At Cost. Insurance requirements may vary from applicant to applicant. Any compulsory insurance requirements will be advised on application. For example, you may be required to pay for Lenders Mortgag…

    From $0
  • Legal/Securities fees

    At Cost.

    From $0
  • Mortgage Loan Top Up / Increase in Credit Limit Fee

    Payable on application or funding. Applies to all Home Loan Applications

    $315
  • Other Government Duties & Taxes

    At Cost. Any applicable Government Taxes, Duties and Fees will be passed on to you.

    From $0
  • Other Legal/ Solicitors Fees

    At Cost. Payable to our solicitors when you ask us to take any action in respect of the loan or your property and we incur legal fees.

    From $0
  • Pest & Building Inspections Fees

    At Cost. Payable to inspectors if we require a pest or building inspection.

    From $0
  • PPSR Fees (Personal Properties Security Register)

    At Cost. Certain loans will require us to use the services of PPSR. If we do so, the following may be payable; PPSR Registration Fee, PPSR Financier Interest Enquiry and PPSR Variation of Interest.

    From $0
  • Production of Title Fee

    Payable to our solicitors when you ask us to produce the certificate of title of your property to enable registration of a plan or any document dealing with your property

    $110
  • RTGS Transfer Fee

    Payable when we are required to transfer settlement funds to an agent on behalf of our Solicitor.

    $10.50
  • Second Mortgage Consent Fee

    Payable when you ask us to consent to a second mortgage

    $75
  • Stamp Duty Increase Fee

    At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when topping up an existing loan where the original stamp duty is not sufficient; when payable by la…

    From $0
  • Stamp Duty

    At Cost. Payable at the rate charged by the Office of State Revenue or its interstate counterparts when payable by law.

    From $0
  • Substituting of Security Legal fee

    Payable to us when you substitute an existing property with a new property as security for your home loan.

    $605
  • Substituting Securities fee

    Payable to us when you substitute an existing property with a new property as security for your home loan.

    $315

When you close it or pay it off1

  • Mortgage Discharge Fee

    Payable when you ask us to prepare a discharge of mortgage. Note: This fee does not include registration costs for the land titles office

    $294

Other fees3

  • Additional Statement Fee

    $5.00 + $1.50 per page, payable when you request an additional statement.

    From $0
  • Early Repayment Fee

    Early Repayment Fee payable, if, during any fixed rate period, you: (a) repay the whole of your unpaid balance (full early repayment); (b) pay $5000 or more in repayments above the contractual repaym…

    From $0
  • Third Party Costs

    Any other costs charged to us by a third party will be passed on to you. Some examples are as follows: • Title Change Fee • Land and Property Information Search Fees • Land and Property Information R…

    From $0

Features

Offset accountRedrawExtra repayments
  • Available for the ACT Land Rent Scheme
  • No Monthly Account Keeping Fees
  • Confirmation Of Payee
  • Split loan

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Citizen
  • Available to individuals
  • Amount from $50,000, no maximum
  • Maximum LVR 95%

Published by Border Bank under the Consumer Data Right, last changed by them on 3 Nov 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.