BankMate

Home loan · 1yr Fixed

Basic Home Loan Fixed

Rate
Deposit

6.69%comparison rate p.a. · 7.04% advertised

1yr Fixed · P&I · Owner-occupier · 80–90% LVR

32nd of 50 1-year fixed owner-occupier P&I loans

Go to Bank Australia

The same choices at every rate type

Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$275
Compare all 321 home loans
Compare Bank Australia Basic side by side

1yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.42% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.42% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.43% comparison · 6.74% advertised
1yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.69% comparison · 7.04% advertised
1yr Fixed · P&I · Owner-occupier · 90–95% LVR
6.92% comparison · 7.04% advertised
2yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.47% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.47% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.47% comparison · 6.79% advertised
2yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.72% comparison · 7.04% advertised
2yr Fixed · P&I · Owner-occupier · 90–95% LVR
6.94% comparison · 7.09% advertised
3yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.53% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.53% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.54% comparison · 6.89% advertised
3yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.80% comparison · 7.19% advertised
3yr Fixed · P&I · Owner-occupier · 90–95% LVR
6.99% comparison · 7.19% advertised
5yr Fixed · P&I · Owner-occupier · ≤60% LVR
6.65% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 60–70% LVR
6.65% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.66% comparison · 6.99% advertised
5yr Fixed · P&I · Owner-occupier · 80–90% LVR
6.93% comparison · 7.29% advertised
5yr Fixed · P&I · Owner-occupier · 90–95% LVR
7.08% comparison · 7.29% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$275

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
Yes

Minimum loan
$10,000

  • Basic Home Loan Fixed · 1yr Fixed · P&I · Owner-occupier
  • RBA cash rate
5.006.00SepOctToday6.42% p.a. today

October 20261 change

  1. 16Fri
    • 20 variants up 0.13 to 0.2316 days after the RBA rise to 4.60%
      All P&I · Owner-occupier
      1yr Fixed · ≤60% LVR6.206.42+0.22
      1yr Fixed · 60–70% LVR6.206.42+0.22
      1yr Fixed · 70–80% LVR6.216.43+0.22
      1yr Fixed · 80–90% LVR6.466.69+0.23
      1yr Fixed · 90–95% LVR6.696.92+0.23
      2yr Fixed · ≤60% LVR6.266.47+0.21
      2yr Fixed · 60–70% LVR6.266.47+0.21
      2yr Fixed · 70–80% LVR6.276.47+0.20
      2yr Fixed · 80–90% LVR6.526.72+0.20
      2yr Fixed · 90–95% LVR6.746.94+0.20
      3yr Fixed · ≤60% LVR6.356.53+0.18
      3yr Fixed · 60–70% LVR6.356.53+0.18
      3yr Fixed · 70–80% LVR6.366.54+0.18
      3yr Fixed · 80–90% LVR6.626.80+0.18
      3yr Fixed · 90–95% LVR6.816.99+0.18
      5yr Fixed · ≤60% LVR6.516.65+0.14
      5yr Fixed · 60–70% LVR6.516.65+0.14
      5yr Fixed · 70–80% LVR6.526.66+0.14
      5yr Fixed · 80–90% LVR6.806.93+0.13
      5yr Fixed · 90–95% LVR6.947.08+0.14
      +0.13 to +0.23

September 20261 change

  1. 19Sat
    • 20 variants up 0.04 to 0.18
      All P&I · Owner-occupier
      1yr Fixed · ≤60% LVR6.166.20+0.04
      1yr Fixed · 60–70% LVR6.166.20+0.04
      1yr Fixed · 70–80% LVR6.166.21+0.05
      1yr Fixed · 80–90% LVR6.426.46+0.04
      1yr Fixed · 90–95% LVR6.656.69+0.04
      2yr Fixed · ≤60% LVR6.196.26+0.07
      2yr Fixed · 60–70% LVR6.196.26+0.07
      2yr Fixed · 70–80% LVR6.196.27+0.08
      2yr Fixed · 80–90% LVR6.446.52+0.08
      2yr Fixed · 90–95% LVR6.666.74+0.08
      3yr Fixed · ≤60% LVR6.246.35+0.11
      3yr Fixed · 60–70% LVR6.246.35+0.11
      3yr Fixed · 70–80% LVR6.246.36+0.12
      3yr Fixed · 80–90% LVR6.516.62+0.11
      3yr Fixed · 90–95% LVR6.696.81+0.12
      5yr Fixed · ≤60% LVR6.346.51+0.17
      5yr Fixed · 60–70% LVR6.346.51+0.17
      5yr Fixed · 70–80% LVR6.346.52+0.18
      5yr Fixed · 80–90% LVR6.626.80+0.18
      5yr Fixed · 90–95% LVR6.766.94+0.18
      +0.04 to +0.18

Our Basic Home Loan is anything but, with a low rate, low fees and feel-good features. With the certainty of a fixed rate.

Also from Bank Australia: Basic Home Loan 6.39% · Basic Loan 6.59% · Offset Home Loan Fixed 6.60% · Basic Loan Fixed 6.61% · Offset Home Loan 6.62% · Offset Loan 6.68% · Offset Loan Fixed 6.71%

As of 1 November 2026, the Bank Australia Basic Home Loan Fixed's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.42% (6.74% advertised), ranking 17th of 50 1-year fixed owner-occupier P&I loans. The product comes in 20 variants; the others are other fixed terms and other LVR bands. Its rate last moved on 16 October 2026, 16 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.