Bank of usRESIDENTIALLY SECURED PERSONAL LOAN
This personal loan is designed for current Bank of us home loan customers needing extra funds for any worthwhile purpose - and all at a discounted rate.
At a glance
- Variable
- 6.29%6.57% comparison
- Loan size
- $3,000 to $100,000
- Upfront fee
- $200
How it compares
This personal 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.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 6.29% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 6th lowest of 68 |
| Variable personal loanMoves with the lender's rates | 6.29% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | Lowest of 45 |
Rates
The one rate Bank of us publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, P&I | - | - | 6.29% | 6.57% | - |
Fees
9 fees published, grouped by when they're charged.
When you take it out2
- PERSONAL_LOAN_APPLICATION_FEE$200
- TITLE_SEARCH_FEE
Payable when we require information from the Land Titles Office in connection with your credit contract. Charged at cost.
$38.20 to $191
When particular things happen7
- ARREARS_FEE
Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day.
$40 - CHEQUE_DISHONOUR_(INWARD)_FEE
Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.
$12 - DISCHARGE_FEE
Payable when we agree to discharge any security.
$395 - DUPLICATE_STATEMENT_FEE
Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.
$5 - EVIDENCE_RETRIEVAL_FEE
Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that t…
$20 - INSURANCE_COLLECTION_FEE
Payable in addition to the premium, when we pay the premium for insurance over any security property on your behalf.
$40 - SPECIAL_ATTENDANCE_FEE
per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charge…
$300
Features
Eligibility and limits
- Minimum age 18
- Residency: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- Available to individuals
- Amount $3,000 to $100,000
Compare it with others
Put this product through a calculator
Published by Bank of us under the Consumer Data Right, last changed by them on 13 Apr 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.